Creating fingerprints of encryption devices for compromise mitigation

ABSTRACT

Systems and methods for creating fingerprints for encryption devices are described herein. In various embodiments, the system includes an encryption device operatively connected to a device management system. According to particular embodiments, the device management system: 1) receives a first payload from the encryption device, the first payload including data in a particular format; 2) creates a fingerprint for the encryption device, the fingerprint including a section format for each of one or more distinct sections of the particular format; 3) storing a record of the fingerprint for the encryption device and the unique identifier at the at least one database; and 4) comparing a format of each subsequent payload received from the encryption device to the fingerprint for the device to determine whether the device has been compromised.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.14/591,223, filed Jan. 7, 2015, entitled “Systems and Methods forCreating Fingerprints of Encryption Devices”, now U.S. Pat. No.9,355,374, which claims the benefit under 35 U.S.C. § 119(e) of U.S.Provisional Patent Application No. 61/955,739, filed Mar. 19, 2014,entitled, “Systems and Methods of Point of Interaction Management,” eachof which are incorporated herein by reference in their entireties.

This application is related to and incorporates by reference herein thefollowing U.S. and international (PCT) patent applications:

U.S. patent application Ser. No. 14/591,171, filed Jan. 7, 2015,entitled “Systems and Methods for Facilitating Decryption of PayloadsReceived from Encryption Devices” now co-pending; and

U.S. patent application Ser. No. 14/591,218, filed Jan. 7, 2015,entitled “Systems and Methods for Creating and Tracking States ofEncryption Devices” now co-pending; and

International Patent Application No. PCT/US2015/010405, filed Jan. 7,2015 entitled “Systems and Methods for Creating Fingerprints ofEncryption Devices”.

TECHNICAL FIELD

The present disclosure relates generally point to point encryption(P2PE) and management of point to point encryption systems.

BACKGROUND

Protecting cardholder data during an electronic payment transaction isvital for all entities involved in the processing of that transaction.It was recently made public that in the fourth quarter of 2013 andthroughout 2014, significant data breaches occurred at major nationalretailers. In each instance, cardholder account numbers, and associatedcardholder personal data, were illegally obtained by maliciousfraudsters, exposing millions of sensitive payment records to potentialfraudulent use, including identity theft. As a result, each retailerexperienced damages in terms of lost sales, fines, and potentiallawsuits for alleged negligence with regard to payment securitystandards. Another serious consequence of such breaches is branderosion.

Data breaches are not a new occurrence in the payments industry, but theincreasing number of breaches that occur each year, their severity interms of numbers of records obtained, and the speed and stealth withwhich such breaches occur is new.

It is not a matter of if a business will experience a breach, it's amatter of when. While it is impossible to eliminate the possibility of adata breach occurring, it is now possible to protect cardholder dataintegrity in the event of a breach through PCI-validated point-to-pointencryption (P2PE). PCI-validated P2PE renders any potential cardholderdata useless and void of value in the event of a data theft because thecardholder data cannot be decrypted.

BRIEF SUMMARY OF THE DISCLOSURE

In various embodiments, the systems and methods herein include a pointto point encryption management system configured to receive informationfrom a plurality of point of interaction devices, the point to pointencryption management system including a) a database for storing deviceinformation and b) at least one processor operatively coupled to thedatabase, the at least one processor configured for: 1) receiving apayload originating from a point of interaction device, the payloadincluding encrypted payment information and a device identifier; 2)parsing the payload to extract the device identifier; 3) retrieving anidentifier table from the database, the identifier table including oneor more device identifiers received by the point to point encryptionmanagement system; 4) comparing the device identifier to the identifiertable to determine whether the device identifier is included in theidentifier table; and 5) upon determining that the device identifier isincluded in the identifier table, facilitating decryption of theencrypted payment information.

According to particular embodiments, the systems and methods hereininclude a point to point encryption management system configured toreceive information from a plurality of point of interaction devices,the point to point encryption management system including a) a databasefor storing device information and b) at least one processor operativelycoupled to the database, the at least one processor configured for: 1)receiving a payload originating from a point of interaction device, thepayload including encrypted data and a device serial number; 2) parsingthe payload to extract the device serial number; 3) retrieving a serialnumber table from the database, the serial number table including one ormore serial numbers received by the point to point encryption managementsystem; 4) comparing the device serial number to the serial number tableto determine whether the device serial number is included in the serialnumber table; 5) upon determining that the device serial number isincluded in the table; retrieving, from memory, a fingerprint associatedwith a record of the point of interaction device, wherein thefingerprint is an identifier created by the point to point encryptionmanagement system for the point of interaction device based on theformat of one or more payloads that originated from the point ofinteraction device; 6) comparing the payload to the fingerprint todetermine whether the point of interaction device has been compromised;and 7) upon determining that the point of interaction device has notbeen compromised, facilitating decryption of the encrypted payment cardinformation.

In one or more embodiments, the systems and methods herein include acomputer-implemented method for decrypting encrypted data, thecomputer-implemented method including: A) providing at least oneencryption device including at least one processor configured totransmit encrypted data and a device serial number; and B) providing anencryption management system configured to receive information from theencryption device and at least one computer terminal located at a keyinjection facility, the encryption management system including a) adatabase for storing device information and b) at least one processoroperatively coupled to the database, the at least one processorconfigured for: 1) receiving an initial device serial number from the atleast one terminal located at the key injection facility; 2) writing theinitial device serial number to a table in memory and storing the tablein a database; 3) receiving a payload at least partially originatingfrom the encryption device, the payload including encrypted data and thedevice serial number; 4) parsing the payload to extract the deviceserial number; 5) retrieving the table from the database; 6) comparingthe device serial number to the initial device serial number todetermine whether the device serial number is included in the table; and7) upon determining that the device serial number and the initial deviceserial number are the same serial number, facilitating decryption of theencrypted data.

According to some embodiments, the systems and methods herein include acomputer system for point to point encryption of payment transactions,the computer system including: A) at least one point of interactiondevice including a) one or more magnetic read heads for reading consumerpayment cards and b) at least one processor configured to transmitconsumer payment card information and a device serial number associatedwith the at least one point of interaction device; B) a hardwaresecurity module configured for decryption of payment card information;and C) a point to point encryption management system configured toreceive information from the point of interaction device and at leastone computer terminal located at a key injection facility, the point topoint encryption management system including a) a database for storingdevice information and b) at least one processor operatively coupled tothe database, the at least one processor configured for: 1) receiving aninitial device serial number from the at least one computer terminallocated at the key injection facility; 2) writing the initial deviceserial number to a table in memory and storing the table in thedatabase; 3) receiving a first payload originating from the point ofinteraction device, the first payload including first encrypted paymentcard information and the device serial number; 4) parsing the payload toextract the device serial number; 5) retrieving the table from thedatabase; 6) comparing the device serial number to the initial deviceserial number to determine whether the device serial number is includedin the table; 7) upon determining that the device serial number and theinitial device serial number are the same serial number: i) facilitatingdecryption of the payment card information; and ii) creating afingerprint for the point of interaction device based on the format ofthe first payload and storing the payload identifier in memory; 8)receiving a second payload originating from the point of interactiondevice including encrypted second payment card information and thedevice serial number; 9) parsing the received second payload to extractthe device serial number; 10) retrieving the table from the database;11) comparing the device serial number to the initial device serialnumber to determine whether the device serial number is included in thetable; 12) upon determining that the device serial number and theinitial device serial number are the same serial number, retrieving thefingerprint; 13) comparing the second payload to the fingerprint todetermine whether the point of interaction device has been compromised;and 14) upon determining that the point of interaction device has notbeen compromised, transmitting the second payment information to thehardware security module for decryption.

In at least one embodiment, the systems and methods herein include acomputer stem decrypting payment transactions, the computer systemincluding: A) at least one point of interaction device including one ormore processors configured to transmit consumer payment card informationand a device serial number associated with the at least one point ofinteraction device; and B) a point to point encryption management systemconfigured to receive information from the point of interaction deviceand at least one computer terminal located at a key injection facility,the point to point encryption management system including a) a databasefor storing device information and b) at least one processor operativelycoupled to the database, the at least one processor configured for: 1)receiving an initial device serial number from the at least one computerterminal located at the key injection facility; 2) writing the initialdevice serial number to a table in memory and storing the table in thedatabase; 3) receiving a payload at least partially originating from thepoint of interaction device, the payload including encrypted paymentcard information and the device serial number; 4) parsing the payload toextract the device serial number; 5) retrieving the table from thedatabase; 6) comparing the device serial number to the initial deviceserial number to determine whether the device serial number is includedin the table; and 7) upon determining that the device serial number andthe initial device serial number are the same serial number,facilitating decryption of the payment card information.

In further embodiments, the systems and methods herein include acomputer-implemented method for decrypting payment transactions, themethod including: 1) providing at least one point of interaction deviceincluding one or more processors configured to transmit consumer paymentinformation and a device serial number associated with the at least onepoint of interaction device; 2) providing a point to point encryptionmanagement system configured to receive information from the point ofinteraction device, the point to point encryption management systemincluding a) a database for storing device information and b) at leastone processor operatively coupled to the database; 3) receiving, by theleast one processor, an initial device serial number at least onecomputer third party computing device; 4) writing, by the least oneprocessor, the initial device serial number to a table in memory andstoring the table in the database; 5) receiving, by the at least oneprocessor, a payload at least partially originating from the point ofinteraction device, the payload including encrypted payment informationand the device serial number; 6) parsing, by the at least one processor,the payload to extract the device serial number; 7) comparing, by the atleast one processor, the device serial number to the initial deviceserial number to determine whether the device serial number and theinitial serial number are the same serial number; and 8) upondetermining that the device serial number and the initial device serialnumber are the same serial number, facilitating decryption of thepayment information.

According to various embodiments, the systems and methods herein includea computer system for creating a fingerprint for a device, the computersystem including the device operatively connected to a device managementsystem, the device management system including at least one processoroperatively coupled to at least one database, the at least one processorconfigured for: 1) receiving a first payload from the device; the firstpayload including data in a particular format and a device indicator,the device indicator including a unique identifier used for identifyingthe device; 2) creating the fingerprint for the device, the fingerprintincluding a section format for each of one or more distinct sections ofthe particular format in a particular order; 3) storing a record of thefingerprint for the device and the unique identifier at the at least onedatabase; and 4) comparing a format of each subsequent payload receivedfrom the device to the fingerprint for the device to determine whetherthe device has been compromised.

In particular embodiments, the systems and methods herein include acomputer system for creating a fingerprint for a device, the computersystem including the device operatively connected to a device managementsystem, the device management system including at least one processoroperatively coupled to at least one database, the at least one processorconfigured for: 1) receiving payloads from a particular device, eachpayload including encrypted and unencrypted data in a format; 2)comparing the format of each payload from the particular device to thefingerprint associated with the particular device; and 3) upondetermining that the format of a particular payload of the payloadsreceived from the particular device does not match the fingerprintassociated with the particular device, declining to decrypt theencrypted data of the particular payload and transmitting a notificationof declining to decrypt the encrypted data to a user computing systemassociated with a user.

According to one or more embodiments, the systems and methods hereininclude a computer-implemented method for creating a fingerprint for adevice, the method including: A) providing a device capable ofencrypting data; B) providing a computer system operatively coupled tothe device, the computer system including: 1) a decrypting means fordecrypting data received from the device; 2) a fingerprint creationmeans for creating a fingerprint associated with the device; 3) at leastone database; and 4) at least one processor operatively coupled to thedecrypting means, the fingerprint creation means, and the at least onedatabase; C) receiving, by the at least one processor, a first payloadfrom the device, the first payload including data in a particularformat, a device indicator, and encrypted data, the device indicatorincluding a unique identifier used for identifying the device; D)creating, by the fingerprint creation means, a fingerprint for thedevice, the fingerprint including a section format for each of one ormore distinct sections of the particular format in a particular order;E) storing a record of the fingerprint for the device and the uniqueidentifier at the at least one database and changing a state of thedevice to active by the at least one processor; F) comparing, by the atleast one processor, a second particular format of a subsequent payloadreceived from the device to the fingerprint for the device to determinewhether the device has been compromised; and G) upon determining thatthe device has not been compromised, decrypting, by the decryptingmeans, encrypted data of the subsequent payload.

In at least one particular embodiment, the systems and methods hereininclude computer system for managing encryption device status changesincluding a P2PE management system including at least one processor andoperatively connected to an encryption device, the at least oneprocessor configured for changing a state of the encryption device basedupon transactional information received from the encryption device,wherein changing the state of the encryption device based upontransaction information includes: 1) receiving a transaction payloadfrom an encryption device, the transaction payload including transactioninformation and non-transaction information; 2) determining whether thetransaction information is unencrypted; and 3) in response todetermining that the transaction information is unencrypted, disablingthe encryption device by changing a state of the encryption device to atampered state.

In further embodiments, the systems and methods herein include acomputer-implemented method for managing encryption device statuschanges, the method including the steps of: A) providing a P2PEmanagement system including at least one processor and operativelyconnected to an encryption device; and B) changing, by the at least oneprocessor, a state of the encryption device based upon transactionalinformation received from the encryption device, wherein changing thestate of the encryption device based upon transaction informationincludes: 1) receiving a transaction payload from an encryption device,the transaction payload including transaction information andnon-transaction information; 2) determining whether the transactioninformation is unencrypted; and 3) in response to determining that thetransaction information is unencrypted, disabling the encryption deviceby changing a state of the encryption device to a tampered state.

In still further embodiments, the systems and methods herein include acomputer system for managing encryption device status changes includinga P2PE management system including at least one processor andoperatively connected to an encryption device, the at least oneprocessor configured for: A) changing the state of the encryption devicebased on input from an operator; B) changing a state of the encryptiondevice based upon transactional information received from the encryptiondevice, wherein changing the state of the encryption device based upontransaction information includes: 1) receiving a first transactionpayload from an encryption device, the first transaction payloadincluding first transaction information and first non-transactioninformation; 2) upon receiving the first transaction payload from theencryption device, changing the state of the encryption device from thedeployed state to an active state and facilitating decryption of thefirst transaction information; 3) receiving a second transaction payloadfrom the encryption device, the second transaction payload includingsecond transaction information and second non-transaction information;4) determining whether the second transaction information isunencrypted; and 5) in response to determining that the secondtransaction information is unencrypted, disabling the encryption deviceby changing the state of the encryption device from the active state toa tampered state.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings illustrate one or more embodiments and/oraspects of the disclosure and, together with the written description,serve to explain the principles of the disclosure. A number of thediagrams below are unified modeling language (UML) 2.5 SequenceDiagrams. TAIL sequence diagrams focus on the message interchangebetween the numbers of lifelines (aka individual participants). One ofordinary skill in the art will understand that UML diagrams are readfrom left to right and from the top to the bottom. Seewww.uml-diagrams.org/sequence-diagrams-combined-fragment.html for moreinformation on UML diagrams.

FIG. 1A is an exemplary point to point encryption (P2PE) managementsystem and payments environment according to one embodiment of thepresent systems and methods.

FIG. TB is an alternative exemplary P2PE management system and paymentsenvironment according to one embodiment of the present systems andmethods.

FIG. 2A shows a block diagram of an exemplary architecture of the P2PEmanagement system of FIG. 1A according to one embodiment of the presentsystems and methods.

FIG. 2B shows a block diagram of an exemplary architecture of the P2PEmanagement system of FIG. 1B according to one embodiment of the presentsystems and methods.

FIG. 3 is a flow chart illustrating an exemplary point of interactionmanagement process according to one embodiment of the present systemsand methods.

FIG. 4A is a flow chart illustrating an exemplary merchant data processaccording to one embodiments of the present systems and methods.

FIG. 4B is a flow charts illustrating an exemplary P2PE report processesaccording to one embodiment of the present systems and methods.

FIG. 5A is a flow chart illustrating an exemplary decryption processaccording to one embodiment of the present systems and methods.

FIG. 5B is a flow chart illustrating an exemplary fingerprint processaccording to one embodiment of the present systems and methods.

FIGS. 6-14 are UML diagrams illustrating exemplary sequences of thepresent systems and methods.

DETAILED DESCRIPTION

For the purpose of promoting an understanding of the principles of thepresent disclosure, reference will now be made to the embodimentsillustrated in the figures and specific language will be used todescribe the same. It will, nevertheless, be understood that nolimitation of the scope of the disclosure is thereby intended; anyalterations and further modifications of the described or illustratedembodiments, and any further applications of the principles of thedisclosure as illustrated therein are contemplated as would normallyoccur to one skilled in the art to which the disclosure relates.

Prior to a detailed description of the disclosure, the followingdefinitions are provided as an aid to understanding the subject matterand terminology of aspects of the present systems and methods, areexemplary, and not necessarily limiting of the aspects of the systemsand methods, which are expressed in the claims. Whether or not a term iscapitalized is not considered definitive or limiting of the meaning of aterm. As used in this document, a capitalized term shall have the samemeaning as an uncapitalized term, unless the context of the usagespecifically indicates that a more restrictive meaning for thecapitalized term is intended. However, the capitalization or lackthereof within the remainder of this document is not intended to benecessarily limiting unless the context clearly indicates that suchlimitation is intended.

Definitions/Glossary

Account Data: may refer to cardholder data and/or sensitiveauthentication data, such as, but not limited to a PAN, a routingnumber, a cardholder name, an expiration date, a service code, magneticstripe data (or chip data), a card security code (e.g., CAV2, CVC2,CVV2, CID, etc.), one or more personal identification (PIN) numbers,and/or PIN blocks.

Bank: any suitable banking entity that may issue one or more cards(e.g., credit cards, debit cards, etc.) to a consumer, may receivedeposits from a merchant), manage accounts for customers, etc.

Fingerprint or Device Fingerprint: in various embodiments, a set ofinformation used to identify a particular device, wherein the set ofinformation may be based on the particular device's one or moreattributes. In at least one embodiment, the set of information is for aPOI Device and includes a serial number associated with the POI Device.

Hardware Security Module (HSM): a device that, in various embodiments,safeguards, houses, and manages digital encryption and decryption keys.

Key Injection Facility (KIF): a secure service facility that injectsencryption keys (e.g., symmetric or asymmetric keys) into a device,typically a POI Device. The injected encryption key is used, inparticular embodiments, to encrypt data (e.g., consumer data, such asPAN data) received by the POI Device.

Merchant: an entity that provides or sells goods and/or services toconsumers and, in various embodiments, purchases, orders, and/or employsone or more POI Devices and utilizes the P2PE Manager.

P2PE Manager: in various embodiments, an application for managingvarious state changes of a POI Device, for reporting state changes of aPOI Device (or POI Devices), determining decryption key index names,and/or for providing reports for Merchants for compliance or otherpurposes.

P2PE Payload, Transaction Payload, or Payload: a bundle of informationtransmitted from a POI Device. A payload may include any variety ofsuitable information. As a non-limiting example, in particularembodiments, a payload includes consumer information, such as a card'sPAN as well as a POI Device serial number. In various embodiments, apayload is sent to the P2PE Manager. In at least one embodiment, apayload is transmitted to a Payment Processor/Payment Network beforedecryption.

Payment Card Industry (PCI): generally, the debit, credit, prepaid,e-purse, e-wallet, ATM, and point of sale card industry and associatedbusinesses.

Payment Processor/Payment Network: one or more entities (typically athird party) that processes payments (e.g., credit card transactions)for a Merchant.

PCI Security Council: a council originally formed by American Express,Discover Financial Services, JCB, MasterCard Worldwide, and VisaInternational for managing the PCI Data Security Standard. By meetingvarious PCI Security Council requirements, businesses can be deemed “PCICompliant” or “PCI Validated.”

PCI Validation/Validated (PCI Compliant): an entity may be deemed PCIValidated by meeting various criteria set forth by the PCI SecurityCouncil. PCI Validated companies and/or solutions may be listed by thePCI Security Council (e.g., on the PCI Security Council website or inother suitable locations).

Point of Interaction (POI) Device (Point of Entry Device): in variousembodiments, a component of a point of sale system that enables aconsumer to make a purchase at a Merchant, such as with a payment card.P01 Devices may or may not be consumer-facing and may require a PINnumber and/or other authentication. Non-limiting examples of POI Devicesinclude magnetic card readers (e.g., for reading a payment card, such asa credit card) and near field communication (NEC) devices (e.g., forreceiving a consumer's payment information from an electronic device,such as a mobile device). POI Devices may or may not be PCI Councilapproved devices.

Point to Point Encryption (P2PE): a combination of secure devices,applications, and processes that encrypt data from the point ofinteraction (for example, at the point of swipe) until the data reachesthe solution provider's secure decryption environment.

Primary Account Number (PAN): an account number typically found on frontside of a payment card (e.g., a credit card number).

State(s): a recordable state and/or status of a particular device suchas a POI Device. Various states and/or statuses may include “new,”“active,” “lost,” “stolen,” “tampered,” “damaged,” “malfunction,”“quarantined,” “in repair,” “retired,” and “destroyed.”

State Changes: a recordable change in the state of a device, such as aPOI Device. In a particular example, a POI Device state may be changedfrom “active” to “lost” based on various factors.

Overview

The present systems and methods relate generally to management ofencryption processes, management of encryption devices, validationhandling of encryption devices (including point-to-point encryptiondevices), and managing, assigning, and reporting state changes ofencryption devices. According to particular embodiments, the presentsystems and methods track handling of decryption devices and theirrespective payloads (e.g., outputs of swipe data, etc.). It should beunderstood from the disclosure herein that the management of theencryption processes described herein may be, in some embodiments, PCIvalidated and compliant.

According to particular embodiments, the systems and methods herein aredirected to secure encryption device handling. Particularly, the systemsand methods herein are directed to: 1) receiving an indication of astate of a particular device; 2) receiving a payload from the particulardevice, including a device serial number and encrypted payload; 3)creating a record (e.g., a fingerprint) of the format of the payload andstoring the record in memory; 4) receiving a second payload from theparticular device, the second payload including the device serial numberand a second encrypted payload; 5) retrieving the record of the formatof the payload associated with the particular device from memory; 6)comparing the record of format of the payload to the format of thesecond payload; and 7) upon determining that that the format of thesecond payload does not match the record of the record of format of thepayload, changing the state of the particular device to a tamperedstate.

In one or more aspects, the systems and methods herein are directed tofacilitating decryption of encryption device payloads based on a deviceserial number included in the payload. In these aspects (and others),the system is configured to retrieve various information regarding theparticular device from a database based on the device serial number.Such data may include, for example, a record of the format of a firstpayload of the particular device (as discussed above), a key indexnumber indicating a base key used as the basis for encrypting a payloadof the particular device, a state of the particular device, etc.

According to various aspects, the systems and methods herein are furtherdirected to create a “fingerprint” of a particular device. Particularly,the system may be configured to create a fingerprint of the particulardevice to be used as a comparison to payloads received from theparticular device to determine whether the particular device iscompromised (e.g., the device has been stolen, hacked, etc.). The systemmay be configured to create the fingerprint of the particular device inany suitable way such as, for example, by parsing a first payloadreceived from the particular device, determining the format of eachsegment of the first payload, recording the format of each segment ofthe first payload in an order of the payload.

In some aspects, the systems and methods herein are directed to creatingreports regarding states and locations of encryption devices tracked bythe system. In these aspects, the system is configured to receive areport request from a merchant, compile the report based on stateinformation associated with encryption devices associated with themerchant, request that the merchant attest to the information includedin the report, and provide the report to the merchant.

As will be understood by one of ordinary skill in the art, the systemsand methods herein may be used by any suitable entity. Further, thesystems and methods described herein may be utilized for any suitableencryption/decryption process, including, but not limited to,point-to-point encryption, encryption/decryption of medical data,encryption/decryption of social security numbers, etc. The followingexemplary functionality of the systems and methods herein is includedfor the purpose of furthering understanding of the included systems andmethods and is intended to be exemplary and non-limiting.

Exemplary P2PE Manager and Payments Functionality

Turing now to the figures, FIGS. 1A and 1B depict a high-level exemplaryP2PE manager and payments environment and process. In general, FIGS. 1Aand 1B show an exemplary path of an exemplary point of interaction (POI)device from a manufacturer (e.g., manufacturer 102) to a merchant (e.g.,merchant 132) and the various processes and state changes associatedwith the exemplary POI device. FIGS. 1A and 1B further depict datareceived by the P2PE system 160, exemplary high level of data processingthat occurs at the P2PE system, and an exemplary payment cycle.

FIG. 1A shows an exemplary P2PE manager and process wherein swipe (aswill be understood by one of ordinary skill in the art, data may also bekeyed into a user interface) data is sent from a merchant swipe terminal(e.g., a POI device) directly to a P2PE Payment System. FIG. 1B shows anexemplary P2PE manager and process similar to the process depicted inFIG. 1A, except swipe data is sent from a merchant swipe terminal to apayment network, then to the P2PE Payment System. These variousexemplary features and differences will be further discussed below.

FIG. 1A depicts a manufacturer 102 of point of interaction (POI) devices(e.g., POI device 104). According to particular embodiments,manufacturer 102 produces POI device 104 in response to receiving apurchase order from a merchant or from a P2PE system (e.g., P2PE system160). In various embodiments, manufacturer 102 produces POI device 104(and any other POI devices) in any suitable way, as will be understoodby one of ordinary skill in the art. In particular embodiments,manufacturer 102 produces POI devices designed to output a device serialnumber and information in a particular format, as will be furtherdiscussed herein.

POI device 104 may be any device suitable of receiving information froma consumer. In various embodiments, POI device 104 receives paymentinformation, as discussed throughout this document, although it shouldbe understood by one of ordinary skill in the art that POI device 104should not be considered limited to only payment information.

POI device 104 may include any suitable components for receiving paymentinformation e.g., credit card magnetic strip information, paymentinformation received from a mobile device, such as a smartphone, tablet,PDA, etc., chip information e.g., from cards with embedded chips),payment information received from a check-out station, other sensitiveinformation, such as medical records received from an electronic medicalrecords system, etc.). In various embodiments, POI device 104 readsand/or receives payment information via a magnetic card reader forreading a card's magnetic strip (e.g., a credit card). In one or moreembodiments, POI device 104 includes a pin-pad, biometric scanner (e.g.,finger print or retina scanner), and/or chip reader for receivingsecondary consumer identity-verification information. In at least oneembodiment, POI device 104 is configured for receiving paymentinformation via one or more radios, such as a near-field communicationsradio, a suitable wireless network connection radio, such as aBluetooth, Bluetooth Low Energy (BLE), and/or radio (e.g., POI devicemay receive payment information from an application (mobile wallet)included on mobile device via a “tap”).

As will be further discussed herein, POI device 104 transmitsinformation received from a consumer (e.g., payment information,biometric information, PIN information, etc.) to another system/devicefor processing. In various embodiments, POT device 104 is configured toencrypt received information upon receipt of said information. Accordingto particular embodiments, POI device 104 transmits information receivedfrom the consumer with device information, such as a serial numberassociated with POI device 104 for identification of the POI device. Insome embodiments, POI device 104 is configured to transmit theinformation received from the consumer and device information in aparticular format, which may be used by a P2PE system (e.g., P2PE system160) to form a “fingerprint” (e.g., an identifier based on the formatand/or device information of POI device 104) for identifyingtransactions sent from POI device 104.

As will be understood by one of ordinary skill in the art, POI device104 may be any POI device approved by the PCI Security Standards Council(“PCI SSC”) or other suitable device for receiving information to beencrypted. Examples of PCI SSC-approved devices can be found on PCISSC's website athttps://www.pcisecuritystandards.org/approved_companies_providers/approved_pin_transaction_security.php.In one or more embodiments, POI device 104 is a stand-alone swipeterminal, such as ID TECH's SecuRED™ SRED device. In some embodiments,POI device 104 is an all in one type mobile business solution, such as4P Mobile Data Processing's FDA600-POS device. In at least oneembodiment, the POI device 104 is a countertop terminal, such as AtosWorldline's Yomani device.

Still referring to FIGS. 1A/1B, manufacturer 102 ships POI device 104via secure shipping 106 to a key injection facility (KIF) 110. As willbe understood by one of ordinary skill in the art, secure shipping 106may represent any suitable type of secure shipping known in the art,including, but not limited to, via FedEx, UPS, etc. and/or by shippingvia air, ground, rail, etc.

Once received by KIF 110, in one or more embodiments, informationregarding POI device 104 is entered into P2PE manager 166. In variousembodiments, the information regarding POI device 104 includes a deviceserial number (e.g., to be matched later to swipe transactions). In atleast one embodiment, the information regarding POI device 104 includesa firmware version number. In further embodiments, the informationregarding POI device 104 includes a date of manufacture, the name of themanufacturer (e.g., manufacturer 102), etc.

Information regarding POI device 104 may be entered into the P2PEmanager 166 in any suitable way, such as, for example, by user interface180 or via an API interface. In various embodiments, a KIF employeescans in a serial number associated with POI device 104 via a suitablescanning mechanism (e.g., a hand-held barcode scanner or the like). Insome embodiments, a KIF employee keys in a serial number associated withPOI device 104 via a keyboard (or other suitable key-entry device, suchas a touch screen). As will be understood by one of ordinary skill inthe art, POI device 104 may be processed via any suitable securityprotocol and information about POI device 104 may be entered into anysuitable system, such as a separate KIF inventory management system.

As shown in FIGS. 1A/1B, P2PE manager 166 may be operatively connectedto user interface 180. User interface 180 may represent any number ofuser interfaces configured to interact with P2PE manager 166 and userinterface 180 may be connected to P2PE manager 166 in any suitable way,such as via the Internet, LAN, WAN, etc. For example, user interface 180may represent a user interface at KIF 110 used to input informationregarding POI device 104 (as discussed above). Continuing with thisexample, user interface 180 may also represent a user interface atmerchant 132 used to entered information regarding POI device 104 (e.g.,when POI device 104 is received, to update the state of POI device 104,etc.). User interface 180, in this example, may represent a userinterface at a third-party “Partner” (e.g., a hospital using anelectronic medical records system or other entity wishing to encrypt anddecrypt data). User interface 180 may be used to manually change thestate of POI device 104 (e.g., from “Stored” to “Deployed”) or view thestate of POI device 104, as shown at 182. In some embodiments, userinterface 180, via P2PE manager 166, may be configured to produce one ormore reports 184 (as will be further discussed herein).

According to particular embodiments, once POI device 104 information isentered into P2PE manager 166, it is assigned a “state.” The state ofPOI device 104 as indicated in P2PE manager 166 may be used to helpensure secure handling and chain of custody of POI device 104. Forexample, when first entered into the P2PE manager 166, POI device 104 isassigned a state of “New” in the P2PE manager 166. Once a key has beeninjected into POI device 104, the state may be changed to “Injected.”Once received by a merchant e.g., merchant 132), but not deployed inuse, POI device 104 may have a state of “Stored.” Alternately, POIdevice 104 may be assigned a state of “DOA” (dead on arrival) if thedevice is damaged or non-functional. For example, P2PE manager 166 maybe configured to discard, prohibit and/or block data (e.g., card swipedata), from a POI device that is listed in a “Tampered,” “Dirty,” or“Flagged” state to protect the system and/or the card swipe data.

Continuing with FIGS. 1A/1B, POI device 104 is stored at KIF 110 in asecured inventory room. The inventory room may be secured in anysuitable way, such as, but not limited to, dual access, by lock and key,or by any suitable security protocol.

According to particular embodiments, upon order from a merchant, POIdevice 104 is injected with one or more base derivation keys (“BDKs”)and is securely bagged, tagged, and packed for secure shipment to themerchant (e.g., merchant 132). According to at least one embodiment, ahardware security module (“HSM”) array produces encryption/decryptionkeys for encrypting data received by the POI device 104. As will beunderstood by one of ordinary skill in the art, an HSM array may belocated at a KIF or at a remote location. In the embodiment shown inFIGS. 1A/1B, KIF 110 and HSM array 162 are remote.

HSM array 162, shown in FIGS. 1A/1B as part of P2PE system 160, invarious embodiments, creates abase derivation key (BDK), which is splitinto two parts, BDK 164A and BDK 164B for security purposes. BDK 164Aand 164B are sent to KIF 110 (via two separate secure pathways) wherethey are received by two key part holders. BDK 164A and 164B may be sentto KIF 110 in any suitable manner, such as, for example, by courier, bymail, by fax, by email (encrypted or otherwise), etc. In particularembodiments, the two key part holders verify receipt of BDK 164A and BDK164B via signature upon delivery, delivery receipt, etc.

In particular embodiments, the process continues with key assembly atstep 114. The key assembly process is briefly described immediatelybelow. However, it will be understood by one of ordinary skill in theart that this key assembly process is intended to be exemplary and anysuitable key assembly process may be used. The first key part holder(e.g., the person with BDK 164A) enters the secured inventory roomstoring POI device 104 and enters BDK 164A into a tamper resistantsecurity module (“TRSM”). The first key part holder leaves the securedinventory room. The second key part holder (e.g., the person with BDK164B) enters the secured inventory room (e.g., after the first key partholder has exited the secured inventory room) and enters BDK 164B intothe TRSM. According to particular embodiments, a third party separatelyvalidates the entries of the first key part holder and the second keypart holder (e.g., via a key serial number (KSN) and check digit). Uponauthentication of the key parts, the TRSM produces a cryptogramrepresenting the (assembled) BDK 164 and transfers the cryptogram to asmart card. POI device 104 (and each POI device) is injected with aunique Initial Key derived from the BDK (e.g., from the smart card). Asdiscussed herein, once POT device 104 is injected with the encryptionkey, its state in the P2PE manager 166 may be changed to “Injected.”

Still referring to FIGS. 1A/1B, at step 116, POI device 104 is placed ina tamper evident bag and the bag is sealed with a tamper evident,serialized sticker. POI device 104 (in the tamper evident bag and sealedwith the serialized sticker) is then, at step 118, sealed in a box(e.g., any suitable shipping container) for shipment to merchant 132 andgiven a tracking number. According to particular embodiments, the serialnumber on the serialized sticker and the tracking number for theshipment of POI device 104 is entered into P2PE manager 166 andassociated with the record for POI device 104 in P2PE manager 166 forlater verification by merchant 132 upon receipt of POI device 104. Invarious embodiments, once a tracking number is entered into P2PE manager166, the state associated with POI device 104 may be changed.

At step 120, POI device 104 is securely shipped to merchant 132. P′01device 104 may be securely shipped to merchant 132 in any suitable way,including by FedEx, UPS, USPS, etc. by air, ground, rail, etc.

Merchant 132 receives POI device 104 and registers receipt of POI device104 with P2PE manager 166 as shown at step 134. In various embodiments,upon receipt of POI device 104, merchant 132 confirms that the tamperevident bag (see above) and the serialized sticker used to pack POIdevice 104 have not been tampered with. In particular embodiments,merchant 132 enters the serial number of POI device 104 (as printed onthe outside of the shipping box or in some other location) and theserial number of the serialized sticker into P2PE manager 166. In one ormore embodiments, the state associated with POI device 104 is changed to“Stored” in P2PE manager 166. Merchant 132 stores POI device 104 (in thetamper evident bag) until deployment.

At step 138, merchant 132 removes POI device 104 from the tamper evidentbag for deployment. In various embodiments, merchant 132 changes thestate of POI device 104 to “Deployed” in P2PE manager 166. It will beunderstood that, in various embodiments, P2PE manager 166 substantiallyautomatically changes the state of POI Device 104 to “Deployed” based onreceiving information (e.g., that the POI device 104 has been removedfrom the tamper evident bag).

At step 140, POI device 104 is deployed (e.g., connected a cashregister, etc.) to accept payment card information. As further discussedherein, POI device 104 may be configured to accept any payment (orother) information, but for the purposes of simplicity and brevity,payment card information in the form of magnetic card swipe data will bediscussed in regards to FIGS. 1A/1B.

Upon receiving magnetic card swipe data (e.g., a first or initial cardswipe), in various embodiments, POT device 104 substantiallyautomatically encrypts the magnetic card swipe data based on theencryption key injected into POI device 104 at step 114 above. Invarious embodiments, POI device 104 is configured to encrypt the swipedata immediately after receiving the swipe data. In particularembodiments, POI device 104 may receive swipe data in any, suitable way,including, via magnetic read heads (if a credit/debit card with amagstripe is swiped), via a chip and pin reader, via near-fieldcommunications, etc.

In FIG. 1A, according to particular embodiments, upon receiving andencrypting swipe data, POI device 104 is configured to transmit theswipe data and other information (collectively, a “payload”) to P2PEmanager 166 for verification and decryption of the swipe data. Accordingto particular embodiments, POT device 104's payload includes, inaddition to the swipe data, a serial number associated with POI device104 (e.g., the serial number assigned to POI device 104 by manufacturer102 and recorded in P2PE manager 166 at KIF 110). In some embodiments,POI device 104's payload includes other information including PINinformation, biometric information (e.g., POI device includes or isconnected to one or more biometric readers, such as a finger printscanner), chip information, etc.

An alternate pathway for POI device 166's payload is shown in FIG. 1B,to be discussed herein. It will be understood by one of ordinary skillin the art that a POI device payload path as shown in FIGS. 1A and 1B ismerely exemplary and a POI device payload may be routed through one ormore entities and/or via pathways not shown in FIG. 1A or 1B.

At step 142, in response to receiving its first card swipe, POI device104 transmits its first payload to P2PE manager 166 via internet 164. Inparticular embodiments, upon receipt of the first payload from POIdevice 104, P2PE manager 166 is configured to parse the first payload ofPOI device 104 and extract the serial number of POI device 104. In someembodiments, P2PE manager 166 then compares the extracted serial numberof POI device 104 to a table of POI device serial numbers to determinewhether POI device 104 is included in the table. In other words, incertain embodiments, P2PE manager 166 is configured to determine whetherPOI device 104 is a recognized device based on its serial number that issent to P2PE manager 166 with each transaction payload.

Upon determining that POI device 104's serial number is included in P2PEmanager 166, P2PE manager 166 may be configured to check the stateassociated with POI device 104. If, for example, POI device 104 has astate of “Deployed” in P2PE manager 166, upon successfully receiving thefirst swipe transaction, P2PE manager 166 may change the state of POIdevice 104 to “Active.” An “Active” state in P2PE manager 166 generallydenotes a state of securely receiving decrypted swipe transactions.

If, as another example, POI device 104 has a state of “Tampered” or“Stolen” or “Lost” in P2PE manager 166, P2PE manager 166 may beconfigured to discard the received payload and/or report the receipt ofa payload from a POI device that is not listed as “Active” or “Deployed”to merchant 132 or any other suitable party and not process theencrypted swipe data (e.g., included in the payload). It should beunderstood based on discussions herein that the system can help detectfraudulent transactions based at least in part on the various states ofP2PE manager 166. An exemplary list of state changes is shown at 182 inFIGS. 1A/1B and will be further discussed herein.

Continuing with the example shown in FIGS. 1A/1B wherein P2PE manager166 has received a first payload from POI device 104, P2PE manager 166creates a “fingerprint” to be associated (in memory) with POI device 104at step 170. According to particular embodiments, the fingerprint forPOI device 104 is created by parsing the payload sent by POI device 104and recording the format, order, and number of data items included inthe payload (e.g., opposed to the contents of the payload) and/or anyfirmware versions of software running on POI device 104. Exemplaryfingerprint creation processes will be further discussed herein (e.g.,at FIG. 4A). In various embodiments, the fingerprint is stored and usedin future transactions to verify that data received from POI device 104is secure (e.g., that POI device 104 has not been tampered with and/oris not malfunctioning).

According the embodiment shown in FIGS. 1A/1B, after the fingerprintanalysis 170, P2PE manager 166 transmits the first payload from POIdevice 104 to HSM 162 for decrypting (e.g., using BDK 164). Once thepayload is decrypted, the swipe data is re-encrypted to an encryptionthat can be decrypted by other entities in the payment process. Once thepayload is re-encrypted, it is transmitted to a payment network 190where the swipe data (e.g., credit card information) is processed andsent on to an issuing bank 192 (money is debited from the consumer'saccount associated with the swiped card), acquiring bank 194, andfinally to a depository bank 144 where money is deposited to themerchant (e.g., merchant's bank account).

In particular embodiments, the system operates essentially in the sameway each time a payload is received from POI device 104 while the stateassociated with POI device 104 is “Active” (e.g., POI device 104regularly receives swipe transactions). For example, a customer ofmerchant 132 swipes their credit card at POI device 104. POI device 104transmits its payload, including POI device 104 serial number andencrypted swipe data to P2PE manager 166. Continuing with this example,P2PE manager 166 determines the serial number of the received payload(e.g., POI device 104's serial number) and looks up correspondingfingerprint information associated with POI device 104's serial numberto verify that POI device 104 has not been tampered with at step 170.Once POI device 104's fingerprint has been verified, in this example,HSM 162 decrypts POI device 104's payload and then re-encrypts the swipedata and sends it on to the payment network 190, issuing bank, 192,acquiring bank 194, and depository bank 144 to complete the paymentprocess.

Continuing with FIGS. 1A/1B, if POI device 104 is tampered with (e.g.,in an attempt to steal consumer data), P2PE manager 166 is configured toblock fraudulent transactions by not passing payloads to HSM 162 fordecryption as shown in step 174. There are a number of ways that P2PEmanager 166 may determine that POI device 104 has been tampered with andrefuse to pass the payload on to HSM 162 for decryption. In a particularembodiment, P2PE manager 166 may receive a payload from POI device 104that does not match the fingerprint associated with POI device 104(e.g., the format of the payload has changed, the version number of thefirmware used by the device has changed, etc.). In various embodiments,P2PE manager 166 may determine that a payload from POI device 104 hasbeen tampered with by receiving a payload from POI device 104 aftermerchant 132 has recorded that POI device 104's state is “In Repair,”“Damaged,” “Retired,” “Destroyed,” or “Stolen” (e.g., P2PE managershould not be receiving a payload from POI device 104 and thus will notdecrypt the payload). In many cases, if P2PE manager 166 determines thatPOI device 104 has been tampered with, then it will transmit anotification to merchant 132 and/or any other appropriate party, changethe state of POI device 104 in the POI database 168 to “Tampered” andwill no longer decrypt payloads from POI device 104.

FIG. 1B shows a process similar to that described above. In FIG. 1B,payloads from POI device 104 are first transmitted to payment networks190 (but not decrypted) and then transmitted to P2PE system 160 (e.g.,opposed to payloads being sent directly from merchant system 130 to P2PEsystem 160 as shown in FIG. 1A). Payloads are then processed, in variousembodiments, as described above at the P2PE system 160 and sent back topayment network 190, then to issuing bank 192, etc. to complete thepayment process.

System Architecture

FIGS. 2A and 2B are block diagrams depicting exemplary systemarchitectures of the exemplary P2PE system of FIGS. 1A and 1B,respectively. These architectural components are organized intooverarching processes for secure handling of devices and payloads (e.g.,for decryption): secure device handling process 300, merchant dataprocesses 400A and 400B, and payment system processes 500A and 500B.These major components are intended to be exemplary only and are used toassist in explaining the systems and methods herein. As will beunderstood, the following architectural components may be operativelyconnected in any suitable way and may include suitable processors,databases, firewalls, and the like. Further, the various componentsdiscussed herein may be distributed and operatively connected in anysuitable way. For example, in various embodiments, the architecturalcomponents discussed below may be physically connected and located inthe same room and/or may be connected via the Internet or privatenetwork and may be located remotely.

Secure POI Handling System

Secure POI handling system 300 is more fully described in this documentin connection with FIG. 3. Secure POI handling system 300, according toparticular embodiments, includes a point of interaction manufacturer 302(e.g., manufacturer 102 in FIGS. 1A/1B) that produces and ships a POIdevice 350 via secure handling procedures to a key injection facility(KIF) 502. KIF 502 injects the POI device 350 with an encryption key andsecurely ships POI device 350 to a merchant. POI device 350 is includedin merchant data processes 400A and 400B as further described herein.

POI manufacturer 302 manufactures devices that may be used with thesystems and methods discussed herein. POI manufacturer 302 maymanufacture any suitable device, including any POI device approved bythe PCI Security Standards Council (“PCI SSC”) or other suitable devicefor receiving information to be encrypted. Examples of PCI SSC-approveddevices can currently be found on PCI SSC's website athttps://www.pcisecuritystandards.org/approved_companies_providers/approved_pin_transaction_security.php.In one or more embodiments, POI device 350 is a stand-alone swipeterminal, such as ID TECH's SecuRED™ SRED device. In some embodiments,POI device 350 is an all in one type mobile business solution, such as4P Mobile Data Processing's FDA600-POS device. In at least oneembodiment, the POI device 350 is a countertop terminal, such as AtosWorldline's Yomani device.

As will be understood from discussions herein, POI manufacturer 302 ismerely an exemplary manufacturer. In various embodiments, the system maybe configured to decrypt any type of encrypted information (e.g., in a“decryption as a service” environment) from any suitable device. Inthese embodiments (and others), the manufacturer may produce anysuitable encryption device for encrypting social security numbers,driver license numbers, personal data, patient information, etc., andthus, may not necessarily produce POI devices. However, for the purposesof clarity of and brevity, a POI manufacturer and POI devices are shownin the figures.

It will be understood by one of ordinary skill in the art that merchantsand key injection personnel do not typically program POI devices (otherthan encryption key injection at a key injection facility). Thus, inmany of the embodiments discussed herein, POI manufacturer 302 loadsand/or programs device 350. In various embodiments, POI manufacturer 302configures POI device 350 with particular firmware and/or a particularversion of firmware. In further embodiments, POI manufacturer 302configures POI device 350 with various hardware and software securityfeatures e.g., software for encrypting swipe data substantiallyimmediately after being read by POI device 350, hardware thatdestroys/erases any keys stored by POI device 350 upon tampering, etc.).

In particular embodiments, POI manufacturer 302 configures POI device350 to transmit a payload of information, where the payload includes aspecific set of information. In these (and other) embodiments, thepayload may include any suitable information such as device serialnumber and/or any other unique device identifier, unique identifier andversion number of the firmware installed on the device, date of devicemanufacture, device brand identifier, device model identifier, etc. Infurther related embodiments, the POI manufacturer 302 configures POIdevice 350 to transmit the payload in a particular format (e.g.,portions of data in a particular order, numbers in a particular formatsuch as hexadecimal, character, etc.). These configurations may be usedby P2PE management system 510 (or 166) to identify particular POIdevices (e.g., POI device 350 and/or POI device 104 (FIGS. 1A/1B) and toverify the authenticity of the received data via a fingerprint, as willbe further discusses in relation to FIGS. 5A and 5B.

Although not shown in FIGS. 2A and 2B, POI manufacturer 302 may includecomputing devices operatively connected to P2PE management system 510via any suitable connection.

KIF 502 includes any suitable computers, machines, etc. to receiveencryption keys 562, send and receive data 512, securely inject POIdevice 350 with an encryption key, bag POI device 350 with a serializedtamper-resistant bag, and ship POI device 350 to a merchant. Asdiscussed herein, in various embodiments, upon receipt of POI device350, a user enters (e.g., keys, scans, etc.) information associated withPOI device 350 into P2PE manager 166 (serial number, firmware versionnumber, etc.). In these embodiments, the user may enter the informationassociated with POI device 350 via a bar code scanner operativelyconnected to a computing device, via a keyboard operatively connected toa computing device, via a touchscreen interface operatively connected toa computing device, etc.

Computing devices located at the KIF may be any suitable computingdevices, including desktop computers, laptop computers, servers,tablets, other mobile devices, etc. In various embodiments, at leastsome of the computing devices located at the KIF are configured toconnect to the P2PE management system 510 via a suitable user interface.In some embodiments, information is exchanged between computing deviceslocated at the KIT and the P2PE management system 510 via email, http,or other suitable protocol.

According to particular embodiments, KIF 502 includes a tamper resistantsecurity module (“TRSM”) for assembling key parts (as discussed above,in various embodiments, the base derivation key is sent to the KIF intwo parts and is reassembled). The TRSM may be any suitable TRSMincorporating physical protections, including, for example,tamper-evident seals, hardened casings, and hardware and software toerase the contents of the TRSM upon detection of tampering. In variousembodiments, upon combining and validation of key parts, the TRSMproduces a cryptogram representing the base derivation key. In someembodiments, the cryptogram is transferred to a smart card.

The smartcard may be any suitable smartcard. In various embodiments, thesmartcard is a smartcard with a chip including one or more processorsfor key generation, signature, mod/or encryption. In particularembodiments, the smartcard is equipped with software for creatingsuitable algorithms, such as hashing algorithms. In at least oneembodiment, the smartcard is operative for communicating with the TRSMand suitable key injection devices (e.g., Key Loading Devices, (KLDs)).The smartcard may include other features, such as tamper-resistantmeasures, tamper notification measures, anti-tearing measures, etc.

According to particular embodiments, the smart card is not used. Inthese embodiments (and others), the base derivation key is sent to theKIF in two parts and is reassembled as a KLD, without the use of thesmartcard.

In various embodiments, the KIF 502 includes one or more KLDs forinjecting POT devices with encryption keys. KLDs may be any suitable keyloading/key fill devices and, in various embodiments, are securecryptographic devices (SCDs).

According to various embodiments, once injected with an encryption key,POI device 350 is packaged in a tamper evident bag and shipped to themerchant for deployment.

Merchant Data System

As shown in the embodiments depicted in FIG. 2A/2B, merchant data system400 includes POI device 350 deployed to receive payment transactions andPOI device 350 operatively connected to a payment transaction processor416A/416B. In FIG. 2A, payment transaction processor 416A is shown aspart of the payment system processes 500 (e.g., the payment systemprovides the payment system transaction processor 416A to the merchant).FIG. 2B shows third party transaction processor 416B as excluded frompayment system processes 500 (e.g., third party transaction processor416B is provided by a party other than the payment system, such as bythe merchant or by a suitable partner). An exemplary merchant dataprocess 400A and an exemplary merchant P2PE report process 400B are morefully described in this document in connection with FIGS. 4A and 4B,respectively. The merchant may include any suitable computing devices,point of sale devices, servers, databases, processors, etc.

As will be understood by one of ordinary skill in the art, POI device350 may be operatively connected to any suitable merchant point of salesystem. In various embodiments, POI device 350 is operatively connectedto a cash register, which may be digital, analog, touchscreen, etc.According to particular embodiments, POI device 350 is operativelyconnected to a mobile device, such as a mobile phone, tablet, etc.running software to accept payment information. In further embodiments,POI device 350 is operatively connected to a desktop computing devicefor completing sales.

In the embodiments shown in FIGS. 2A/2B, POI device 350 is operativelyconnected to payment transaction processor 416A/416B. It will beunderstood by one of ordinary skill in the art that POI device 350 maybe directly connected to payment transaction processor 416A/416B or maybe indirectly connected to payment transaction processor 416A/416B(e.g., POI device 350's payloads are transmitted through othercomponents of a point of sale system to payment transaction processor416A/416B). In various embodiments, third party transaction processor416A/416B may represent any suitable number of servers, processors, etc.and may be located in any suitable location, including at the merchantor at a location remote from the merchant.

As shown in FIG. 2A, third party transaction processor 416A isoperatively connected (via Internet 209) to P2PE management system 510.According to this embodiment (and other embodiments), third partytransaction processor 416A is configured to transmit one or morepayloads from POI device 350 to P2PE management system 510 forprocessing. In particular embodiments, third party transaction processor416A is configured to receive payments from issuer 214 (e.g., paymentspurchase made via POI device 350).

Alternately, as shown in FIG. 2B, third party transaction processor 416Bis operatively connected (via Internet 209 or a private network (PN)) toone or more card networks 202, P2PE management system 510, and issuer214. In this embodiment (and others), POI device 350 payloads aretransmitted to third party transaction processor 416B, then, viaInternet 209, to the payment system processes 500 for decryption andre-encryption, then the re-encrypted payment data is transmitted byInternet 209 and/or by PN to card networks 202.

The merchant system may include any number of suitable computing devices(not shown in FIGS. 2A/2B). These merchant computing devices may be anysuitable computing devices, such as desktop computers, laptop,computers, tablets, etc. and may be operatively connected to the P2PEmanagement system 510. The merchant computing devices, in variousembodiments, enable users at the merchant to input information regardingPOI device 350 to be transmitted to P2PE management system 510 (e.g.,state change information, tracking information, etc.). In one or moreembodiments, the merchant computing devices may also be configured toproduce various auditing reports regarding P2PE compliance.

Payment System

In the embodiment shown in FIGS. 2A/2B, payment system 500 includes KIF502, P2PE management system 510, and hardware security module (HSM) 560.In FIG. 2A, payment system 500 also includes payment system transactionprocessor 416A (as discussed above).

P2PE management system 510 may include any suitable software and/orhardware components, including servers, mobile computing devices,desktop computers, one or more databases, and any number of suitableprocessors. According to particular embodiments, P2PE management system510 is configured to manage states of various POI devices (e.g., POIdevice 350). In these embodiments (and others), P2PE management system510 may utilize any number of suitable tables and databases to storetables of information regarding the various states of POI devices. Inparticular embodiments, P2PE management system 510 includes one or moreprocessors for receiving state changes from computing devices, receivinginformation regarding state changes of various POI devices, determiningwhether the state of a particular POI device should be changed based onreceived information, etc.

According to various embodiments, P2PE management system 510 includesone or more databases and one or more processors for receivingidentification data associated with various POI devices (e.g., POIdevice 350), such as a device serial number, a device (encryption) keyserial number, key sequence number, a device version number, a devicefirmware number/indicator, etc. In one or more embodiments, P2PEmanagement system 510 is configured to store the received identificationinformation and, in at least one embodiment, indexing the identificationand other information associated with a particular POT device by thedevice serial number. For example, in a particular embodiment, P2PEmanagement system 510 receives a payload of information from a merchantincluding a particular device serial number. Continuing with thisexample, P2PE management system 510 is configured for parsing thepayload to extract the particular device serial number and for searchingand locating additional device information based on the particulardevice serial number.

As a second particular example, P2PE management system 510 receives apayload of information from a third-party payment processor (e.g., thepayment payload is sent from a merchant POI device to the third-partypayment processor then to the P2PE management system). However, in thissecond particular example, the third-party payment processor sends aportion of the payload, which has already been parsed. Continuing withthe second particular example, the P2PE management system 510 receives athird-party payment processor identifier, a key sequence number, and anyencrypted payment information to be decrypted.

In various embodiments, P2PE management system 510 includes at least onedatabase and at least one processor for creating and storing identifiersassociated with POI devices (and/or any suitable encryption device orsystem). In some embodiments, P2PE management system 510 is configuredto create a device identifier or “fingerprint” based on the format ofone or more payloads received from a particular POI device (e.g., POIdevice 350). In these embodiments (and others), P2PE management system510 is configured to compare the format of future payload received fromthe particular POI device to the fingerprint to verify the authenticityof the payload (e.g., that the payload has not been tampered with and/orcompromised in some way).

According to one or more embodiments, P2PE management system 510includes various processors and databases for creating audit reports formerchants. In these embodiments (and other embodiments), P2PE managementsystem 510 is configured to receive a request for an audit report from acomputing device associated with a merchant and access one or moretables configured to store information associated with various POTdevices associated with the merchant. P2PE management system 510, inthese embodiments, is further configured to aggregate, summarize, andfacilitate the display (e.g., display on a screen of a computing deviceat the merchant, send to a printer of a computing device at themerchant, etc.) of the information associated with the various POIdevices associated with the merchant.

As will be understood by one of ordinary skill in the art, any of theabove mentioned processors may perform more than one function describedand any of the above mentioned databases may store more than one type ofinformation. Thus, the discussion above should not necessarily limit thevarious processors disclosed herein as having only the functionalitydiscussed above.

In various embodiments, P2PE management system 510 is operativelyconnected to HSM 560, which may represent any number of HSMs, includingan array of HSMs. In various embodiments, HSM 560 includes suitable oneor more processors and one or more databases for creating and storingencryption keys. In particular embodiments, HSM 560 includes at leastone processor and at least one database for receiving payloads, forderiving encryption keys from payload information, for decryptingpayment data included in such payloads, re-encrypting at least a portionof a payload, including the payment information, and transmitting there-encrypted portion of the payload to a card network (e.g., cardnetwork 202) via the Internet 209 and/or a private network (PN).

According to particular embodiments HSM 560 is a device that providesFIPS 104-2 Level 3 certified physical and logical protection tocryptographic keys or other suitable PCI-compliant HSM. An example ofsuch an HSM is the SafeNet Luna EFT HSM. Other examples of PCI approvedHSMs can be found athttps://www.pcisecuritystandards.org/approved_companies_providers/approved_pin_transaction_security.php.

Exemplary System Processes

Exemplary POI Handling Process (FIG. 3)

FIG. 3 depicts a high-level flow chart of an exemplary secure devicehandling process 300 as shown in FIGS. 2A/2B. In various embodiments,this POI handling process may help verify a secure chain of custody fora POI device. To briefly summarize, in a particular embodiment, as a POIdevice is transported from and handled by different entities, the POIManager assign various states to the POI device. In these particularembodiments (and others), the POI Manager verities that the POI devicehas been assigned the correct sequence of states before facilitating thedecryption of a payload of the POI device. This secure POI handlingprocess, in particular embodiments, helps identify whether POI deviceshave been tampered with and/or switched (e.g., with a nefarious POIdevice) during the transport of a POI device between the time ofmanufacture to the time of deployment at a merchant. POI handlingprocess 300, as shown in FIG. 3 and described immediately below may helpillustrate at least one embodiment of this POI handling process.

Beginning at step 330, the system is configured to receive particularPOI device identification information at the P2PE management system 510.In various embodiments, the particular POI device identificationinformation includes a serial number associated with the particulardevice (e.g., POI device 350 in FIGS. 2A/2B). In particular embodiments,the particular POI device identification information includes version ofthe firmware installed on the particular POI device. In furtherembodiments, the particular POI device identification informationincludes any other suitable information, such as model, device type,device manufacture date, etc.

The system may be configured to receive the particular POI deviceidentification information from any suitable entity in any suitable way.In particular embodiments, the particular POI device identificationinformation is transmitted (e.g., via encrypted electronic packets) froma computing device at a key injection facility (KIF). In someembodiments, the particular POI device identification information isreceived from a computing device associated with the manufacturer. Infurther embodiments, the particular POI device identificationinformation is input by a person into a computing device operativelyconnected to the POI Manager.

At step 332, the system is configured to, in response to receiving theparticular information associated with POI device 350, set the state ofdevice 350 to indicate that the POI device is new/ready for programming.(e.g., the system is configured to set the state of the particular POIdevice to “New”). In various embodiments the system is configured tochange the state of the POI device to New by adding the POI device (orassociated identifier) to a table or list of POI devices with a Newstatus. In further embodiments, the system is configured to change thestate of the POI device by including the state of the POI device in atable with a POI device identifier (e.g., the POI device is listed byidentifier on a table and the state associated with the POI devicechanges). In still further embodiments, the information associated withthe POI device in the system may include various bits that indicate astate (e.g., information about POI devices include bits indicating eachstate and can be set to on or off to indicate the state of the device).In this embodiments (and others), the system may be configured to changethe bit associated with the New state to on or to “1”.

At step 334, the system is configured to receive an indication that theparticular POI device is injected with an encryption key. As discussedherein, in various embodiments, POI devices are stored at a KIF untilthey are injected. In some embodiments, once the particular POI deviceis ordered from a merchant (or at any other suitable time), theparticular POI device is injected with an encryption key under specialsecurity protocol (as discussed elsewhere herein).

The system may be configured to receive the indication that theparticular POI device is injected with the encryption key in anysuitable way. According to particular embodiments, once injected, a userat the KIF logs into the P2PE Manager (via a suitable computing device)and indicates that the particular POI device has been injected. In someembodiments, the system may be configured to receive the indication thatthe particular POI device is injected automatically from a computingdevice linked to the key injection equipment and/or certain protocoldevices associated with injecting the particular POI device.

At step 336, based at least in part on receiving the indication that theparticular POI device is injected with the encryption key, the system isconfigured to change the state of the particular POI device to indicatethat the POI device has been injected (e.g., assign an “Injected”state). In particular embodiments, the system is configured to receivethe indication that the particular POI device is injected by a usermanually changing the status of the particular POI device from New to“Injected.” The system may be configured to change the state of the POTdevice in any suitable way, including (but not limited to) the waysdiscussed in relation to changing the particular POI device state to“New” at step 332.

At step 338, the system is configured to receive information regardingshipping the particular POI device. In various embodiments, theparticular POI device is packed for shipment from the KIF to a merchant.In these embodiments (and others), the system is configured to receivevarious information regarding the shipping of the particular POI devicesuch as a tamper-resistant bag number (e.g., serial number), a boxnumber, a tracking number, merchant number, address/shippingdestination, and/or any other suitable information for tracking and/orverifying the shipment of the particular POI device.

At step 340, the system is configured to receive data from a merchantindicating receipt of the particular POI device. In various embodiments,the system is configured to receive the data from the merchantindicating receipt of the particular POI device by receiving the serialnumber of the particular POT device. In particular embodiments, thesystem is configured to receive the data from the merchant indicatingreceipt of the particular POI device by receiving the tracking numberand/or tamper resistant bag serial number associated with the POIdevice. In some embodiments, the system may be configured to receive thedata indicating the receipt of the particular POI device in any othersuitable way.

At step 342, based on receiving the data from the merchant, the systemis configured to determine whether the particular POI device has beencompromised during shipment. In various embodiments, the system isconfigured to determine whether the particular POT device has beencompromised during shipment by comparing the data received from themerchant (e.g., at step 340) to the information regarding shipping theparticular POI device (e.g., at step 338). According to particularembodiments, the system is configured to look up the device based on thedevice serial number and verify that the tracking information, tamperresistant bag serial number, etc. match. In these embodiments, thesystem verifies these numbers/identifiers to ensure that the particularPOI device has been shipped from the KIF to the merchant withouttampering or without someone swapping out the particular POI device(e.g., for a POI device that is programmed to send cardholderinformation to another location or any other nefarious task).

The system may be configured to compare the data received from themerchant to the information regarding shipping the particular POI devicein any suitable way. In various embodiments, the system is configured tostore the information regarding the shipping the particular POI devicein a table associated with the particular POI device's serial number(e.g., a serial number created by the manufacturer and input to thesystem at the KIF). In these embodiments, upon receipt of the serialnumber and data from the merchant indicating receipt of the particularPOI device (e.g., the information at step 340), the system is configuredto look up the information regarding shipping the particular POI deviceby looking up the particular POI device's serial number and accessing atable with the appropriate header “KIF shipping information” or thelike) to find the information regarding shipping the particular POIdevice.

At step 344, the system is configured to change the state of theparticular POI device to indicate that the particular POI device hasbeen received by the merchant (but not deployed). In variousembodiments, the system is configured to change the state of the POIdevice to “Stored” to indicate that the particular POI device is storedat the merchant.

The system may be configured to change the state of the particular POIdevice in any suitable way. In various embodiments, the system isconfigured to change the state of the particular POI device by receivingan indication to change the state of the particular POI device from acomputing device associated with the merchant (e.g., a user selects orinputs a notification to change the state of the particular POI device).According to particular embodiments, the system is configured toautomatically change the state of the particular POI device upondetermining that the particular POI device has not been compromisedduring shipment (e.g., at step 342). In further embodiments, the systemmay be configured to

At step 346, the system is configured to receive an indication that theparticular POI device is deployed. In various embodiments, the systemmay receive an indication from a computing device (e.g., a manualindication from a user) that the particular POI device is deployed(e.g., ready to receive swipe transactions). In one or more embodiments,the system is configured to receive an indication that the particularPOI device is deployed by receiving an indication at a user-interfacethat the particular POI device is ready for deployment, and in response,the system changes the state of the particular POI device to indicateddeployment (e.g., changes the state of the POI device from “Stored” to“Deployed”).

It should be understood by one of ordinary skill in the art and from thediscussions herein that the state of the particular POT device maychange and/or vary from the sequence discussed above. In a particularexample, the merchant could receive the particular POI device anddetermine that it is damaged. Continuing with this particular example,the merchant could then indicate to the system that the particular POIdevice is damaged and the system could change the state of theparticular POI device to indicate that the POI device is damaged (e.g.,a “Damaged” state). As discussed below, once in the Deployed state, theparticular POI device (e.g., POI device 350) is ready to receive swipedata, as described below in reference to FIG. 4A.

Exemplary Merchant Data Process (FIG. 4A)

Referring to FIG. 3, above, once a particular POI device e.g., POIdevice 350), is received by a merchant and deployed, the particular POIdevice is, in various embodiments, ready to receive customertransactions. As will be understood by one of ordinary skill in the art,the particular POI device may require additional set-up by the merchant,such as, for example, connection to a payment processing computingdevice, additional software set-up, etc.

Turning to FIG. 4, at step 430, the particular POI device receivescustomer data. As discussed herein, the particular POI device mayreceive payment transaction data (card swipe data, etc.) and othercustomer verification information, such as, for example, biometric data(finger print, retinal scan, etc.) chip and pin data, PIN data, etc.

At step 432, immediately upon receiving the customer data, theparticular POI device is configured to encrypt the customer data. Invarious embodiments, the particular POI device may be configured toencrypt the customer data based on the encryption key(s) that have beeninjected. In some embodiments, the particular POI device is configuredto encrypt the customer data via an internal encryption scheme. Infurther embodiments, the particular POI device is configured to encryptthe customer data via an encryption key that is sent to particular POIdevice with each transaction.

At step 434, the particular POI device is configured to compile apayload to be transmitted to a payment processor. In variousembodiments, the payload includes the encrypted customer data. In one ormore embodiments, the payload includes the device serial number. In atleast one embodiment, the payload includes the device serial numberand/or firmware number. In further embodiments, the payload includes amanufacture date of the particular POI device. In still furtherembodiments, the payload includes various other information such as anencrypted PIN or other verification information associated with acustomer and/or other information to identify the transaction (e.g.,date of transaction, merchant, cashier number, etc.).

The particular POI device may be configured to compile the payload inany suitable format, which may be used by the system to create afingerprint for the particular POI device as discussed herein. Invarious embodiments, the particular POI device is configured to compilethe payload in a string of data representing various data items of thepayload. In these embodiments (and others), various components of thepayload string may be formatted in character, XML, or hexadecimalformat.

The payload may include any suitable components. In various embodiments,the payload includes an indication of the format of the components(e.g., hexadecimal, XML, etc.). In particular embodiments, the payloadincludes an indication of the particular encryption (cypher) algorithm,such as, for example, RAW (e.g., data is unencrypted), triple dataencryption standard (“TDES”) indicating that the DES derived unique keyper transaction (“DUKPT”) encryption scheme has been used to encrypt thepayload data, advanced encryption standard indicating that the AES DUKPTencryption scheme has been used to encrypt the payload data.

In various embodiments, the P2PE Manager includes an indication of aparticular type of encryption associated with a particular device basedon the particular device's serial number. In these embodiments, andothers, the system is configured to transmit an indication of theparticular type of encryption to the I-ISM based on the particulardevices serial number.

According to particular embodiments, the payload includes card swipedata. The card swipe data may include any or all of the various tracksof data encoded in a card's magnetic stripe. As will be understood byone of ordinary skill in the art, in various embodiments, a card'smagnetic stripe contains three distinct tracks of encoded data, eachread by a magnetic card reader. In these embodiments, the system may beconfigured to encrypt and compile each track of card data. In someembodiments, each track of card data may include different information.In further embodiments, each track of card data may include at leastsome of the same information.

The particular POI device may be configured to compile each track ofcard data in any suitable way. In various embodiments, the particularPOI device is configured to compile each track of card swipe data ascard track format with each track formatted as a clear set of data e.g.,no encryption), followed by an encrypted set of data (e.g., the cardswipe data for the particular track), followed by a dummy set ofenctypted data (e.g., encrypted random data that does not represent thecard swipe data). In particular embodiments, each of the clear,encrypted, and dummy sets of data may be in a character or hexadecimalformat.

The particular POI device may output the above described data, forexample, in the following format:

-   -   FORMAT_CIPHERED_[TRACK1][_TRACK2][_TRACK3]

The particular PO device may be configured to include additional data inthe payload. According to particular embodiments, the particular POIdevice is configured to include a key serial number (“KSN”) and/ordevice serial number (“DSN”) in the payload (e.g., a key serial numberindicating how the HSM should decrypt the various encrypted tracks and adevice serial number as discussed herein to identify the particular POIdevice). In these embodiments (and others) the KSN and DSN may beformatted in either character or hexadecimal format. In furtherembodiments, the particular POI device is configured to include ahardware version number and/or a firmware version number, each of whichmay be formatted in character or hexadecimal format (or may be empty).As will be understood by one of ordinary skill in the art, the abovecomponents of the payload may be formatted in any suitable format andmay arranged in the payload in any suitable way. For example, the TRACK1data above may come before or after the FORMAT and/or CIPHERED data.Likewise, the track data may be in any other order (e.g., TRACK3 datamay come before TRACK1 data). Further, the KSN or DSN data may belocated anywhere in the payload string.

In a particular example, the payload suing may be formatted as:

FORMAT_CIPHERED_[TRACK1][_TRACK2][_TRACK3] [_KSN][_DSN][_HWV_HARDWARE][_FMV_FIRMWARE]

As will be further discussed below, in particular embodiments, thesystem uses this payload string and the format of each data component tocreate a unique fingerprint for each device.

At step 436, the particular POI device is configured to transmit thepayload to a payment processing system. According to particularembodiments, the particular POI device is configured to transmit thepayload to a third party for payment processing. In at least oneembodiment, the system is configured to transmit the payload to apayment processing system associated with the P2PE Management System510. In some embodiments, the system is configured to transmit thepayload to any suitable intermediary for processing before being sent tothe payment processor. For the sake of brevity, this section of thisdocument refers to a payment processing system, which may mean any ofthe above.

The particular POI device may be configured to transmit the payload tothe payment processing system in any suitable way. According to someembodiments, the particular POI device is configured to transmit thepayload to the payment processing system via the internet. In one ormore embodiments, the particular POI device is configured to transmitthe payload to the payment processing system via a secure privatenetwork. In some embodiments, the particular POI device is configured totransmit the payload to the payment processing system via a LAN, WAN,Wi-Fi, hardline, or other suitable connection.

As will be understood from discussions herein, the particular POIdevice, in various embodiments is a “dumb” device. Thus, the particularPOI device, in these embodiments (and others) is configured to receivedata (whatever the data may be), encrypt the data based on the firmwareinstalled, compile and transmit the payload without regard to where thedata is headed, whether the POI device has been tamper with, whether thePOT device has been stolen, etc. It should also be understood that theparticular POI device may have a variety of other security measuresinstalled, such as, for example, tamper resistant casing, a circuitdesigned to self destruct upon tampering, various audio or visualalarms, etc.

Exemplary P2PE Report Process (FIG. 4B)

Referring to FIG. 4A above, once a particular POI device (e.g., POIdevice 350), is received by a merchant and deployed, the particular POIdevice is, in various embodiments, ready to receive customertransactions. In these embodiments (and others), the merchant may berequired to produce one or more audit reports and attest to the state ofthe POI device (and any other POI devices in the merchant's possession).According to particular embodiments, the systems and methods herein areconfigured to gather information and product such audit reports.

Turning to FIG. 4B, the system, at step 431, is configured to receive arequest for an audit report from a computing device associated with amerchant. In various embodiments, the system is configured to receivethe request for the audit report from the computing device associatedwith the merchant by receiving log in information (e.g., which mayidentify the particular merchant) associated with a particular user(e.g., username, password, and/or other suitable credentials) andreceiving an indication that the particular user would like an auditreport. In one or more embodiments, the system is configured to receivethe request from the audit report from the computing device associatedwith the merchant by receiving the audit request from a particularcomputing device that is dedicated to communicating with the system(e.g., a computing terminal that is configured to only function with theP2PE Management System).

The audit report may be any suitable audit report that includes anysuitable information. In various embodiments, as discussed above, theaudit report may include information associated with one or more devicesassociated with the merchant and/or the status of each of the one ormore devices associated with the merchant. According to particularembodiments, the audit report includes an attestation of the informationassociated with each of the one or more devices associated with themerchant. In further embodiments, the audit report includes anattestation by the user (e.g., representing the merchant) that the userhas read, and/or that the merchant is in compliance with, a compliancemanual (e.g., a P2PE Instruction Manual or the like).

At step 433, the system is configured to, in response to receiving therequest for the audit report, retrieve merchant device informationassociated with the merchant. As discussed herein, in variousembodiments, the system is configured to receive information regardingthe chain of custody of various devices. In these embodiments (andothers), the system is configured to locate and retrieve informationregarding each device associated with the merchant. Such merchant deviceinformation may include any suitable information, including, but notlimited to: a device identifier, a device location, a device serialnumber, number of transactions processed by a device, a device status(e.g., “active”, “lost”, “tampered”, “stored”, etc.), etc.

According to particular embodiments, the audit report (e.g., requestedat step 431) may include an attestation to that the user (e.g.,representing the merchant) has read, and/or that the merchant is incompliance with, a compliance manual. In these embodiments (and others),the system is configured to retrieve a copy of the compliance manual todisplay to the user.

At step 435, the system is configured to display the merchant deviceinformation. In various embodiments, the system is configured to displaythe merchant device information including the merchant deviceidentifier, merchant device location, and merchant device status. Inparticular embodiments, the system is configured to display the copy ofthe compliance manual.

At step 437, the system is configured to request attestation of themerchant device information. In particular embodiments, the system isconfigured to request attestation by the user clicking one or more checkboxes. In various embodiments, the system is configured to requestattestation by the user typing or electronically signing their name. Infurther embodiments, the system is configured to request attestation bythe user entering in a code, filling out a document, clicking a button,scrolling to the end of a page or electronic document, etc.

At step 439, the system is configured to receive an indication ofattestation (e.g, the system is configured to receive an indication thatthe user has checked a box, filled out a form, signed an electronicform, etc.). At step 441, the system is configured to, in response toreceiving the indication of attestation, compile the audit report, theaudit report including the identifier of each device associated with themerchant, the status of each merchant device, and the indication ofattestation. The system may be configured to compile the audit report inany suitable way and the audit report may be in any suitable format.

At step 443, the system is configured to transmit the audit report tothe computing device associated with the merchant. The system may beconfigured to transmit the audit report to the computer deviceassociated with the merchant by displaying the audit report, accessingand causing the computing device associated with the merchant to printthe audit report, etc. In various embodiments, the system is configuredto transmit a copy of the attested to audit report to various otherentities, such as auditing entities, etc.

Exemplary Payment System Processes (FIG. 5A & FIG. 5B)

FIGS. 5A and 5B are exemplary processes performed by the P2PE ManagementSystem (e.g., P2PE Management System 510). FIG. 5A is an exemplarypayload integrity verification process and FIG. 5B is an exemplaryfingerprint creation process, which may be used as part of the payloadintegrity verification process.

Exemplary Payload Integrity Verification Process

Turning to FIG. 5A, the system, at step 530, is configured to receive apayload originating from a device, the payload including encryptedinformation and a device serial number. In various embodiments, thesystem is configured to receive the payload from a payment point ofinteraction device (e.g., a credit card swipe device). In particularembodiments, the system is configured to receive the payload from ahealth records computing device (e.g., a device that transmits sensitivehealth records for storage by the system). In further embodiments, thesystem is configured to receive the payload from a computing deviceassociated with financial information (e.g., bank account information,etc.). In still further embodiments, the system is configured to receivethe payload from any other suitable device, such as a devicetransmitting sensitive information such a driver's license number, asocial security number, etc.

The payload may include any suitable information (e.g., any suitablestring of particular elements). In various embodiments, the payloadincludes encrypted information and the device serial number. Inparticular embodiments, the payload includes a key serial number that isused to decrypt the encrypted information. In one or more embodiments,the payload includes a device firmware number. In further embodiments,the payload includes any other suitable device or payload informationassociated with the device, transaction, and/or merchant in custody ofthe device.

The encrypted information may be any suitable information that has beenencrypted, such as, for example, a social security number, a credit cardnumber, payment information, a driver's license number, medical recordinformation, a birthdate, a bank account number, a routing number, aname, etc. As discussed herein, the payload may be in any suitableformat, which may be used as a fingerprint for device identification.

At step 532, the system is configured to parse the payload to extractthe device serial number. In various embodiments, the system isconfigured to parse the payload to extract the device serial number byseparating the encrypted information from the unencrypted informationand determining which one or more unencrypted numbers are included inthe device serial number. In particular embodiments, the payloadincludes a string of numbers and information and the device serialnumber is located in a particular location of the string (e.g., thedevice serial number may be the first number, the second number, thefifth number, etc.). As will be understood by one of ordinary skill inthe art, the method of parsing the payload my depend upon thestructure/format of the payload.

At step 534, the system is configured to retrieve a serial number tablefrom the database, the serial number table comprising one or more serialnumbers. At step 536, the system is configured to compare the deviceserial number to the serial number table to determine whether the deviceserial number is included in the serial number table. The system may beconfigured to compare the device serial number to the serial numbertable in any suitable way including searching for the device serialnumber, comparing the device serial number to all serial numbers in thetable, and/or by using some other indicator (first number, etc.) tonarrow down the one or more serial numbers included in the serial numbertable that may match the device serial number. It should be understoodby one of ordinary skill in the art that the serial number table may bemore than one suitable serial number table.

At step 538, the system is configured to, upon determining that thedevice serial number is included in the table, retrieve, from memory, afingerprint associated with the device, wherein the fingerprint is anidentifier for the device based on the format of one or more payloadsthat originated from the device (see FIG. 5B regarding discussion offingerprint creation). In particular embodiments, the system isconfigured to create the fingerprint associated with the device, asfurther discussed herein. In further embodiments, the system isconfigured to receive the fingerprint associated with the device fromthird party system (e.g., a third-party system creates the fingerprintand transmits the fingerprint to the system. In still furtherembodiments, the device fingerprint is manually entered by one or moreusers.

At step 540, the system is configured to compare the payload to thefingerprint to determine whether the device has been compromised.Various embodiments, the system is configured to compare the format ofthe payload (e.g., the order of the particular elements of the payloadto the fingerprint (e.g., a representation of the format of a firstpayload receive from the device) to verify the format matches thefingerprint. In some embodiments, the system is configured to comparevarious elements of the payload to the format, such as the key serialnumber, the device firmware number, etc. to the fingerprint to determinewhether the device has been compromised (e.g., the if the comparedelement does not match the corresponding portion of the fingerprint, thedevice may have been compromised).

At step 542, the system is configured to, upon determining at the devicehas not been compromised, facilitating decryption of the encryptedinformation. In various embodiments, the system is configured tofacilitate decryption of the encrypted information by transmitting theencrypted information (and/or the entire payload) to an HSM fordecryption. Upon determining that the device has been compromised, themay be configured to discard the payload, (e.g., not facilitatedecryption of the encrypted information), notify the merchant, change astatus of the device (e.g., as discussed herein), and/or no longeraccept payloads from the device.

Exemplary Payload Fingerprint Process

Generally, FIG. 5B shows an exemplary process for generating a devicefingerprint. Beginning with FIG. 5B, the system, at step 531, isconfigured to receive a payload from a device. The system may beconfigured to receive the payload from any suitable device, such as, forexample, any suitable device discussed above regarding step 530.

At step 533, the system is configured to determine whether the receivedpayload is the first payload received from the device. In variousembodiments, the system is configured to determine whether the receivedpayload is the first payload received from the device by comparing aserial number included in the received payload to a list of serialnumbers of devices from which payloads have been received. In one ormore embodiments, the system is configured to determine whether thereceived payload is the first payload received from the device bycomparing a device identifier received from a user-interface (e.g., auser inputs device serial numbers) to an identifier included in thedevice payload.

At step 535, the system is configured to, based on determining that thereceived payload is the first payload received from the device, parsethe received payload. The system may be configured to parse the devicepayload in any suitable way as discussed herein. At step 537, the systemis configured to determine the format of the payload. The system may beconfigured to determine the format of the payload in any suitable way.Further, the format of the payload may vary and may be in any suitableform as discussed herein, such as CHR, HEX, Base64, or any othersuitable format. In particular embodiments, the system may only storethe format of the payload but may not store track data.

For example, the payload format may be in the following format:

-   -   FORMAT_CIPHERED_[TRACK1][_TRACK2][_KSN][_DSN]

Continuing with the above example, “CIPHERED” is the encryptionalgorithm and may be, for example, RAW (data is unencrypted), TDES (DESDUKPT), or AES (AES DUKPT). Further, in this example, each TRACK isformatted at 1, 2, or 3, “+” and a CHR string “+” a string a numbers inHEX format, “+” a string of numbers in HEX format. Thus, in thisexample, TRACK1 above is formatted as 1+CHR+HEX+HEX. In this example,the fingerprint may be FORMAT is in HEX format, CIPHERED is TDES, TRACK1is in 1+CHR+HEX+HEX format, TRACK2 is in 2+CHR+HEX+HEX format, KSN (keyserial number) is in HEX format, and DSN (device serial number) is inHEX format. Therefore, the system may be configured to create afingerprint, in this example of:

-   -   HEX_TDES_1+CHR+HEX+HEX_2+CHR+HEX+HEX_HEX_HEX

At step 539, the system is configured to store in memory a fingerprintfor the device, the fingerprint based on the format of the receivedpayload. At step 541, the system is configured to compare eachsubsequent payload received from the device to device fingerprint (e.g.,to determine whether the device has been compromised). In variousembodiments, the system is configured to determine that the device hasbeen compromised when the format of a particular subsequent payload doesnot match the device fingerprint e.g., someone has changed somethingabout the output of the device, such as the device firmware versionnumber, etc.).

Exemplary UML Diagrams

FIGS. 6-14 show UML diagrams illustrating various sequences of thepresent systems and methods. Particularly, FIGS. 6-14 depict exemplaryprocesses for point-to-point encryption (P2PE) transactions, whereinpayloads may include encrypted data, unencrypted data, or both. It willbe understood by one of ordinary skill in the art that these exemplaryprocesses may be used in any type of transaction, including, but notlimited to end to end encryption transactions. The lifelines and majorprocess components will be used throughout (e.g., QSAPI is representedby QSAPI 602 across FIGS. 6-14, wherever present).

In various embodiments, as shown in FIG. 6, a customer (e.g., merchant)posts data to be processed to a web application (e.g., via a webbrowser) at POST request 616. Based on the data included in the post,the web application chooses a script to run. Generally, FIGS. 6-14depict two script lifelines, qsapi-process-3.8.php 602 andvalidator.class.php 1320, which are further described below. As shown inFIGS. 6-14, the system uses at least two databases, a POI database(FIGS. 9 and 12) and a Quickswipe database (FIGS. 6, 8, 9, 10, 12, and14). In various embodiments, the POI database is a database that POIManager uses for persisting information on various devices. According toone or more embodiments, the Quickswipe database is a databaseoperatively connected to qsapi-process-3.8.php 602 and used to storevarious qsapi-process-3.8.php 602 information.

Exemplary Overall System Sequence

Turning to FIG. 6, the lifeline qsapi-process-3.8.php 602, in theembodiments shown, implements majority of the P2PE management systemfunctionality via a Quickswipe API (“QSAPI 602”). It should beunderstood by one of ordinary skill in the art that QSAPI 602functionality may be implemented by any suitable number of APIs,scripts, and/or functions. For simplicity and brevity, only QSAPI 602will be discussed. According to particular embodiments, and shown inFIG. 6, QSAPI 602 starts with instantiating specialized .PHP classesthat encapsulate different aspects of processing as described herein,including, but not limited to instances of Device, DevicesController andpoi classes.

Continuing with FIG. 6, “Device” class 610 is a base class for allsupported devices POI devices, etc.). In particular embodiments, eachtype of device (e.g., each device brand, model, etc.) associated withthe system has a corresponding child class inherited from the Deviceclass 610 (e.g., each brand of POI device has a separate child class).In various embodiments, each child class includes one or more aspects ofa device's output inherited from the class, including, but not limitedto device payload format (e.g., XML or binary format), an indication ofwhether data is encrypted etc. According to particular embodiments, theDevice class 610 receives information regarding each type of device viaa fromString(device output) string, as shown in FIG. 6, to instantiatethe appropriate Device child class instance. In various embodiments, theDevice class 610 uses the information in the appropriate child class toparse device payload (see fetch(device output)) for data decryption, ifa device payload includes encrypted data. In the embodiments shown inFIG. 6, the system uses Luna EFT HSM Device 608 to decrypt devicepayload data.

In various embodiments, Device class 610 selects a child class to beinstantiated via a method fromString( ) (e.g., based on the device type,etc.), creates a new( ) instance, and calls a fetch( ) method. Accordingto particular embodiments, the fetch method parses device payload andstores parsed data. For example, Device class 610 method fromString( )returns a reference that contains the parsed data of a particularpayload. Continuing with this particular example, the fromStringreference may contain card track 1, 2, 3 data, a device serial number,and/or device firmware and hardware information (as discussed herein,the device payload data may include any suitable information).

Continuing with FIG. 6, DevicesController class 612 is a controllerclass that, in particular embodiments, encapsulates several activitiesthat QSAPI 602 uses to determine whether a particular device has beencompromised, tampered with etc. In particular embodiments, aDevicesController class 612 instance is initialized with Quickswipedatabase 606 accessors. In various embodiments, DevicesController class612 transmits an indication of any such indication of device tamperingto the POI Manager (e.g., P2PE Management System, see FIG. 9), upondetection. According to one or more embodiments, DevicesController class612 retrieves and stores data at Quickswipe database 606 table entitleddevice_use.

An instance of poi class 614 is initialized by class_construct( )method.The construct method, according to particular embodiments, retrieves anHSM key index from the POI Manager (see FIG. 9) for legacy devices(e.g., one or more device payloads received by the system from one ormore devices that are not P2PE certified). As shown in FIGS. 6-14,example poi processes are logIncident( ) and getHsmKey( ). Generally, invarious embodiments, poi class 614 posts requests to POI Manager andinterprets POI Manager responses (see FIG. 9).

As shown in FIG. 6, Luna EFT HSM Device 608 (e.g., HSM Device 608), invarious embodiments, is specialized hardware to encrypt or decrypt data.As discussed herein, according to particular embodiments, a particulardevice is injected with a key at a Key Injection Facility. In theseembodiments (and others), this base key is stored in an HSM Device(e.g., HSM Device 608) in an internal table. Continuing with thisembodiment, in order to decrypt encrypted data from the particulardevice payload, a decrypt( )method passes a key index included in theparticular device payload to the HSM Device 608 to derive the associatedtransaction key. In some embodiments, POI Manager stores HSM key indexesin POI database (as shown in FIG. 9) and QSAPI 602 retrieves variousbase keys by device serial number.

In various embodiments, once the Device class 610 inherited child classfor a particular device is received, QSAPI 602 determines which one ormore sub-processes (which “opt”) to complete (e.g., sub-processes 620,630, and 640). At step 620, if QSAPI 602 determines that the particulardevice payload does not contain a device serial number, QSAPI 602processes the particular Device as non-P2PE device (e.g., accordingly,in these embodiments (and others), QSAPI 602 does not retrieve orrequest the POI Manager's access key from the Quickswipe database).

Continuing with step 630, if QSAPI 602 determines that the particulardevice payload includes a device serial number, QSAPI 602 compares thedevice payload with a fingerprint associated with the device (asdiscussed herein) at “Capture Device,” which is further discussed atFIG. 8. In one or more embodiments, upon completion of the CaptureDevice process, QSAPI 602 receives a record of a device_use table inQuickswipe database 606.

At step 630, if QSAPI 602 determines that the particular device payloadincludes encrypted data, QSAPI 602 retrieves an HSM key index from POIManager to pass to HSM Device 608 for decryption as further described inFIG. 11 (Get HSM Key Index). If the Get HSM Key Index process returns anon-positive value, QSAPI 602 will terminate with sending an errorresponse. Otherwise Get HSM Key Index returns an HSM key index for usein decrypting any encrypted data included in the payload of theparticular device. See FIG. 12 for details on the Update Key Indexprocess.

According to particular embodiments, upon completion of the Update KeyIndex process (e.g., at FIG. 12), QSAPI 602 returns a decrypt(key index)method, which is passed to Device class 610. In various embodiments,Device class 610 uses the key index provided by the decrypt(key index)method to transmit necessary data to the HSM Device 608 for decryptingthe encrypted data of the payload of the particular device. In one ormore embodiments, Device class 610 transmits a DECIPHER2 Luna EFTcommand (including the key index and cipher data) to HSM Device 608,which decrypts the encrypted payload data of the particular device. Infurther embodiments, once decrypted, the decrypted payload data istransmitted from the HSM Device 608 to Device class 610 and decryptedclear tracks data are parsed by parseDecryptedData( ). In theseembodiments (and others), relevant data, including, but not limited to,parsed card tracks, PAN data, an expiration date, a cvv number, cardholder data, etc. are included in a data container CardData as shown inFIG. 6.

At step 640, in some embodiments, upon determining that the particulardevice payload does not contain encrypted data, QSAPI 602 calls Deviceclass 608 method parseTracks( ) to get a data container (e.g., CardDatacontainer) filled with a parsed card number, an expiration date, cardholder data, etc. At step 650, QSAPI 602 validates the data included inthe CardData container, which is further discussed regarding FIG. 13. Atstep 660, QSAPI 602 processes any exceptions at a Handle Exceptionsprocess, which is further discussed regarding FIG. 14.

Exemplary Capture Device Sequence

Turning to FIG. 8, the exemplary capture device process discussed hereinis implemented in embodiments where the payload of the particular deviceincludes the device serial number. QSAPI 602 calls Device class 608 fora string that identifies certain features of the payload of theparticular device (e.g., a device fingerprint as discussed herein andexemplary process shown in FIG. 7), including, for example, devicepayload format e.g., XML, hexadecimal string, etc.), an indication ofwhether a portion of the device payload is encrypted, number of tracksincluded, etc. After a device payload format is determined, in variousembodiments, QSAPI 602 calls DevicesController class 612 methodcaptureDevice( ) with a device serial number, a device fingerprint, anda flag that indicates whether a portion of the device payload isencrypted.

In one or more embodiments, DevicesController class 612 searches for arecord of the particular device in a device_use record table at theQuickswipe database 606 using the device serial number of the particulardevice (e.g., at CaptureDevice( ) above). Upon finding a record of theparticular device at the Quickswipe database 606, DevicesControllerclass 612, in particular embodiments, examines various aspects of thedevice_use information (e.g., stored in the Quickswipe database 606). Insome embodiments, DevicesController class 612 determines whether thesystem has marked the particular device as tampered (e.g., the systemhas changed the state of the particular device to tampered). In theseembodiments, the system is configured to determine that the particulardevice has been marked as tampered if the date_disabled column returns a“NOT NULL” value (e.g., indicating that the particular device is markedas tampered by the POI Manager). Upon receiving a value of NOT NULL fordate_disabled column, according to particular embodiments, thecaptureDevice( ) method returns a “FALSE” value to QSAPI 602. In furtherembodiments, upon receiving the “FALSE” value for the captureDevice( )method, the QSAPI 602 sends an error response to a user and terminatesexecution of the process (e.g., does not proceed with decryption of anyencrypted payload information received from the particular device).

In various embodiments, upon receiving a value other than NOT NULL forthe date_disabled column, the system determines whether the encryptionflag for the particular device matches an encryption indication storedat the Quickswipe database 606. In particular embodiments, the systemcompares the received encrypted flag (e.g., as received with the payloadat captureDevice( ), above) against the encryption flag stored for theparticular device at Quickswipe database 606. According to particularembodiments, QSAPI 602 considers a change of encrypted flag (output wasencrypted, but now data is not encrypted) for a particular device as anindication that the particular device is compromised or tampered andshould be disabled. In these embodiments, the captureDevice( ) methodreturns FALSE to the QSAPI 602, which sends an error response to theuser and terminates execution of the process. For more informationregarding disabling devices, see FIG. 9.

According to one or more embodiments, upon determining that the receivedencryption flag matches the stored encryption indication at theQuickswipe database 606, the system is configured to compare the devicepayload format with a stored fingerprint for the particular devicestored at the Quickswipe database 606. According to particularembodiments, QSAPI 602 considers a change in device fingerprint as atemporary failure (several intermittent factors can cause device payloadformat to be different, such as, for example, unreliable USB connectionof device to the personal computer may cause a change in device payloadformat), for more details regarding temporary failure, see FIG. 10. Infurther embodiments, in response to the system determining theparticular device payload format does not match the fingerprint,captureDevice( ) returns FALSE, which results in QSAPI 602 sending anerror response to the user and to terminating execution of the process.

If all above checks were evaluated to False, captureDevice( ) methodreturns a current value of DEVICE_USE row to QSAPI 602. Upon determiningthat the particular device ss used for the first time (device_use rowNOT FOUND), DevicesController class 612 inserts a new device_use rowwith a passed encrypted flag and a device fingerprint in the Quickswipedatabase 606.

Exemplary Disable Device Sequence

Turning to FIG. 9, according to various embodiments, POI Manager 910tracks the chain of custody of devices. According to variousembodiments, POI Manager 910 is implemented as collection of .PHPclasses responsible for several activities. In some embodiments, POIManager 910 returns an appropriate controller class, such as theDevicesController class 612 based on the type of request posted by QSAPI602. As shown in FIG. 9, POI Manager 910 receives an indication todisable decryption of a particular device (e.g., the particular devicediscussed in the embodiments above) because the payload of theparticular device is unencrypted (e.g., but should have been decrypted).In the embodiment shown in FIG. 9, the particular device will bedisabled in Quickswipe database 606 and disable_date will be set to thevalue of current date and time. POI Manager 910 changes the state of theparticular device to tampered in POI database 920.

Exemplary Increment Faded Count Sequence

Turning to FIG. 10, QSAPI 602, in various embodiments, tracks eachfailed encryption attempt for every device with a known serial number.According to particular embodiments, when a particular device'sinformation is captured for the first time, the system adds a new row todevice_use table with failed_count set to 0 and max_failed_count set toa hardcoded limit (5, 10, etc.) In one or more embodiments, each time apayload is received from the particular device, QSAPI 602 runs avalidation check. In further embodiments, QSAPI 602 increments thefailed_count value each time a validation check fails. In still furtherembodiments, if the failed_count reaches the max_failed_count hardcodedlimit (e.g., 2, 5, 7, 10, 20, etc.), the system disables the particulardevice (e.g., and no longer decrypts payloads received from theparticular device). In particular embodiments, the system may beconfigured to reset the failed_count value to 0 with each passedvalidation check. In some embodiments, the system may be configured toincrement the failed_count value with each failed validation check,regardless of whether there has been an intermediate passed validationcheck. An exemplary disable device process is described above in regardsto FIG. 9.

Exemplary Get HSM Key Index Sequence

Upon determining that a particular device payload includes encrypteddata, QSAPI 602 follows the exemplary process shown in FIG. 11. Asdiscussed herein, in various embodiments, the particular device payloadincludes an integer value indicating a number of times a decryption keyvalue was derived from abase key. In some embodiments, HSM Device 608derives the encryption key from its internal copy of the base key anduses the derived encryption key to decrypt encrypted data in theparticular device payload.

According to particular embodiments, QSAPI 602 retrieves a poi_accessKeycorresponding to the particular device from poi class 614. In one ormore embodiments, upon determining that the poi_accessKey is NULL orempty, poi class 614 returns a legacy_key_index (e.g., indicating thatthe particular device is a “legacy device” and not part of a P2PEdecryption scheme). In various embodiments, upon determining that theparticular device serial number is not empty and poi_accessKey is notNULL, poi class 614 requests an hsm_key_id from POI Manager Web Server1110, as shown in FIG. 11.

As will be understood by one of ordinary skill in the art, in someembodiments, the HSM Device 608 stores more than one base key in aninternal HSM Device table. Thus, in these embodiments (and otherembodiments), the HSM Device 608 requires an indication of which of themore than one base key to use to decrypt the particular device payload.As described above, in some embodiments, POI Manager stores HSM keyindexes in POT database (as shown in FIG. 9) and QSAPI 602 retrievesvarious base keys by device serial number and transmits the HSM keyindex (which indicates the base key to use to decrypt the particulardevice payload) to the HSM Device 608.

Exemplary Update Key Index Sequence

FIG. 12 shows an exemplary update key index sequence. As shown in theembodiment in FIG. 12, if the system determines that the key indexassociated with a particular device has changed, then the system isconfigured to disable the particular device, as discussed above.

Exemplary Validation Sequence

Turning to FIG. 13, in the embodiment shown, upon receiving a payloadfrom a particular device, QSAPI 602 determines whether the payloadincludes track1 data in a correct format, track2 data in a correctformat, or both (e.g., by checking the fingerprint associated with theparticular device and/or other appropriate record). If the payload doesnot include track1 data in the correct format, track2 data in thecorrect format, or both, QSAPI 602 sends an error response to a user andterminates execution of the process. Continuing with this sequence, ifthe system determines the payload includes track1 data in the correctformat, track2 data in the correct format, or both or any suitablenumber of tracks), in particular embodiments, QSAPI 602 proceedsvalidating track1, track2 or both. According to particular embodiments,card track data shall be non-empty string of numbers 0-9, which pass mod10 check at validator.class.php 1320. In one or more embodiments, thesystem is configured to, upon successful validated card of the cardtrack number, DevicesController class 612 resets device_use.failed_count(as discussed above) for the particular device to zero (0).

CONCLUSION

Aspects, features, and benefits of the claimed invention(s) will becomeapparent from the information disclosed in the exhibits and the otherapplications as incorporated by reference. Variations and modificationsto the disclosed systems and methods may be effected without departingfrom the spirit and scope of the novel concepts of the disclosure.

It will, nevertheless, be understood that no limitation of the scope ofthe disclosure is intended by the information disclosed in the exhibitsor the applications incorporated by reference; any alterations andfurther modifications of the described or illustrated embodiments, andany further applications of the principles of the disclosure asillustrated therein are contemplated as would normally occur to oneskilled in the an to which the disclosure relates.

The foregoing description of the exemplary embodiments has beenpresented only for the purposes of illustration and description and isnot intended to be exhaustive or to limit the inventions to the preciseforms disclosed. Many modifications and variations are possible in lightof the above teaching.

The embodiments were chosen and described in order to explain theprinciples of the inventions and their practical application so as toenable others skilled in the art to utilize the inventions and variousembodiments and with various modifications as are suited to theparticular use contemplated. Alternative embodiments will becomeapparent to those skilled in the art to which the present inventionspertain without departing from their spirit and scope. Accordingly, thescope of the present inventions is defined by the appended claims ratherthan the foregoing description and the exemplary embodiments describedtherein.

What is claimed is:
 1. A computer system comprising at least oneprocessor operatively coupled to memory, the at least one processorconfigured for: receiving a first payload from a device, the firstpayload comprising data in a particular format, a device indicatorcomprising a unique identifier used for identifying the device, and anindication of a version of firmware running on the device; creating afingerprint for the device, the fingerprint comprising a section formatfor each of one or more distinct sections of the particular format in aparticular order; parsing the particular format of the first payloadinto the one or more distinct sections of the particular format;determining the section format of each of the one or more distinctsections; and creating a record of the section format of each of the oneor more distinct sections; and comparing a format of each subsequentpayload received from the device to the fingerprint for the device todetermine whether the device has been compromised.
 2. The computersystem of claim 1, wherein the at least one processor is furtherconfigured for, upon determining that the device has been compromised,changing a state of the device to indicate the device is compromised. 3.The computer system of claim 2, wherein the at least one processor isfurther configured for only decrypting payloads of devices with statesindicating they have not been compromised.
 4. The computer system ofclaim 1, wherein comparing the format of each subsequent payloadreceived from the device to the fingerprint for the device to determinewhether the device has been compromised comprises: receiving a secondpayload from the device, the second payload comprising second data in asecond particular format and a second device indicator, the seconddevice indicator comprising a second unique identifier used foridentifying the device; retrieving the fingerprint from the at least onedatabase based on the second device indicator; and comparing the secondparticular format to the fingerprint to determine whether the device hasbeen compromised.
 5. The computer system of claim 4, wherein comparingthe second particular format to the fingerprint to determine whether thedevice has been compromised comprises comparing the second format ofeach of one or more distinct sections of the second particular format tothe section format for each of one or more distinct sections of thefingerprint.
 6. The computer system of claim 5, wherein the at least oneprocessor is further configured for, upon determining that the devicehas been compromised, transmitting a message to a user indicating thatthe device has been compromised.
 7. The computer system of claim 6,wherein the at least one processor is further configured for, upondetermining that the device has been compromised, disregarding thesecond payload without decrypting any data.
 8. A computer system forcreating a fingerprint for a device, the computer system comprising atleast one processor operatively coupled to memory, the at least oneprocessor configured for: receiving payloads from a particular device,each payload comprising encrypted and unencrypted data in a format,wherein a first payload received from the particular device comprises adevice indicator comprising a unique identifier used for identifying theparticular device and an indication of a version of firmware running onthe particular device; creating a fingerprint associated with theparticular device by: parsing a particular format of the first payloadinto one or more distinct sections of the particular format; determininga section format of each of the one or more distinct sections; andcreating a record of the section format of each of the one or moredistinct sections in a particular order; comparing the format of eachsubsequent payload from the particular device to the fingerprintassociated with the particular device; and upon determining that theformat of a particular subsequent payload of the subsequent payloadsreceived from the particular device does not match the fingerprintassociated with the particular device, declining to decrypt theencrypted data of the particular subsequent payload and transmitting anotification of declining to decrypt the encrypted data to a usercomputing system associated with a user.
 9. The computer system of claim8, wherein the at least one processor is further configured for, upondetermining that the format of the particular subsequent payload of thepayloads received from the particular device does not match thefingerprint associated with the particular device, changing a statusassociated with the particular device from active to tampered.
 10. Thecomputer system of claim 8, wherein the section format for a particularsection of the one or more distinct sections is a character format. 11.The computer system of claim 10, wherein the section format for a secondparticular section of the one or more distinct sections is a hexadecimalformat.
 12. The computer system of claim 8, wherein the at least oneprocessor is further configured for: receiving payloads from a secondparticular device, each payload comprising encrypted and unencrypteddata in a second format; comparing the second format of each payloadfrom the second particular device to a second fingerprint associatedwith the second particular device; and upon determining that the formatof a second particular payload of the payloads received from the secondparticular device does not match the second fingerprint associated withthe second particular device, declining to decrypt the encrypted data ofthe second particular payload and transmitting a notification ofdeclining to decrypt the encrypted data to a second computing systemassociated with a second user.
 13. The computer system of claim 12,wherein the fingerprint and the second fingerprint are not the samefingerprint.
 14. A computer-implemented method for creating afingerprint for a device, the method comprising: receiving, via at leastone processor operatively coupled to memory, a first payload from adevice, the first payload comprising data in a particular format, adevice indicator comprising a unique identifier used for identifying thedevice, and an indication of a version of firmware running on thedevice; creating, via the at least one processor, a fingerprint for thedevice by: parsing the particular format of the first payload into oneor more distinct sections of the particular format; determining asection format of each of the one or more distinct sections; andcreating a record of the section format of each of the one or moredistinct sections; and comparing, via the at least one processor, asubsequent payload received from the device to the fingerprint for thedevice to determine whether the device has been compromised.
 15. Thecomputer-implemented method of claim 14, the method further comprisingthe steps of: receiving, by the at least one processor, the subsequentpayload from the device, the subsequent payload comprising data in asecond particular format and the device indicator; and retrieving, bythe at least one processor, the fingerprint from at least one databasefor comparing the second particular format to the fingerprint.
 16. Thecomputer-implemented method of claim 15, the method further comprisingthe step of, upon determining that the device has been compromised,declining, by the at least one processor, to decrypt encrypted data ofthe subsequent payload.
 17. The computer-implemented method of claim 14,wherein the section format for a particular section of the one or moredistinct sections is a character format.
 18. The computer-implementedmethod of claim 17, wherein the section format for a second particularsection of the one or more distinct sections is a hexadecimal format.